<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">

  <!-- Home — highest priority, bilingual primary landing page -->
  <url>
    <loc>https://www.chocobao.com/</loc>
    <lastmod>2026-08-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <xhtml:link rel="alternate" hreflang="zh" href="https://www.chocobao.com/"/>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.chocobao.com/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.chocobao.com/"/>
  </url>

  <!-- Quote engine — high-intent transactional page -->
  <url>
    <loc>https://www.chocobao.com/quote</loc>
    <lastmod>2026-08-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
    <xhtml:link rel="alternate" hreflang="zh" href="https://www.chocobao.com/quote"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.chocobao.com/quote"/>
  </url>

  <!-- Buyer's guide — high-value content / SEO article -->
  <url>
    <loc>https://www.chocobao.com/guide</loc>
    <lastmod>2026-08-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
    <xhtml:link rel="alternate" hreflang="zh" href="https://www.chocobao.com/guide"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.chocobao.com/guide"/>
  </url>

  <!-- Plan comparison table -->
  <url>
    <loc>https://www.chocobao.com/plan-comparison</loc>
    <lastmod>2026-08-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
    <xhtml:link rel="alternate" hreflang="zh" href="https://www.chocobao.com/plan-comparison"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.chocobao.com/plan-comparison"/>
  </url>

  <!-- Resources hub -->
  <url>
    <loc>https://www.chocobao.com/resources</loc>
    <lastmod>2026-08-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>

  <!-- Claims scenarios -->
  <url>
    <loc>https://www.chocobao.com/scenarios</loc>
    <lastmod>2026-08-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.70</priority>
  </url>

  <!-- Emergency contacts -->
  <url>
    <loc>https://www.chocobao.com/emergency-contacts</loc>
    <lastmod>2026-08-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.70</priority>
  </url>

  <!-- File a claim -->
  <url>
    <loc>https://www.chocobao.com/file-claim</loc>
    <lastmod>2026-08-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.70</priority>
  </url>

  <!-- Find a doctor -->
  <url>
    <loc>https://www.chocobao.com/find-doctor</loc>
    <lastmod>2026-08-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
  </url>

  <!-- Life insurance -->
  <url>
    <loc>https://www.chocobao.com/life</loc>
    <lastmod>2026-08-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
  </url>

  <!-- About -->
  <url>
    <loc>https://www.chocobao.com/about</loc>
    <lastmod>2026-08-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.60</priority>
  </url>

  <!-- Contact -->
  <url>
    <loc>https://www.chocobao.com/contact</loc>
    <lastmod>2026-08-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.60</priority>
  </url>

  <!-- Privacy policy -->
  <url>
    <loc>https://www.chocobao.com/privacy</loc>
    <lastmod>2026-08-05</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.30</priority>
  </url>

</urlset>
