兹因本保险单附表所列的被保险、凭签署的投保单（被保险人同意应为本保险合同的根据，并视为本保险单的一部分）向××××保险公司（以下简称本公司）申请投保现金保险。
　　 本公司特同意：因已向本公司缴付附表所列的保险费，如在本保险期内任何时候由于所保危险，附表所列任何金额遭到损失，本公司可根据本保险单的附表、除外责任、条款、险别、规定或批注，赔偿被保险人现金损失，但不能超过附表规定的赔偿限额及/或总赔偿限额。
　　 但被保险人遵守及履行本保险单有关其应做的或应予遵守的条款及规定以及陈述和回答的真实，是本公司的本保险单项下承担任何赔偿责任的先决条件。
　　 特立本保险单存证。
　　 中国
　　 年 月 日
　　 附表
　　 1. 被保险人：
　　 2. 营业处所：
　　 3. 营业性质：
　　 4. 保险期限：自______年_____月_____日至_______年______月______日
　　 5. 保险标的：现金、钞票、支票、邮政汇票、未使用邮票、旅行支票、餐券及信用卡单据。
　　 6. 被保险金额：
　　 类别： 保险金额：
　　 （1）营业处所：在上述营业处所保存的现金
　　 a. 不在上销的保险箱或金库中：
　　 b. 在上销的保险箱或金库中：
　　 ──平日
　　 ──周末
　　 ──特种假：即圣诞节、新年、春节、复活节及/或长期假日即：公共假日（星期一或星期六）
　　 在营业处所金保额小计：
　　 （2）运输中：
　　 在中国×××内由被保险人授权的雇员押送的在营业时间内在营业处所和/或银行，客户的处所和/或邮局之间用汽车直接运送现金
　　 a. 平日
　　 b. 周末或假日后的日子
　　 运输途中的现金保额小计：
　　 （3）在被保险人或其授权的雇员的私人住宅：
　　 （4）运输途中及营业处所的划线支票、划线银行汇票、划线邮政汇票、划线汇票。
　　 注：第（3）和第（4）项的保险金额应视情况根据第（1）和第（2）项的赔偿限额而定。
　　 7. 保险期间总保险金额：
　　 8. 保险费：

特别条件

　　 1. 金库条款存放保险柜的金库必须具备适当的防盗保卫制度。
　　 2. 保险柜上锁条款
　　 保险柜必须符合特殊设计的技术标准。在非营业期间，保险柜必须上锁。
　　 3. 保险柜钥匙条款
　　 保险柜的所有钥匙和备用钥匙必须由两人保管。除非常必要外，在晚上或其他非营业期间均应取走。在营业期间，所使用的钥匙应放在稳蔽处。

条件
　　
　　 1. 承保范围：
　　 本公司负责赔偿由于
　　 （1）火灾、雷电、爆炸；
　　 （2）风暴、飓风、台风、旋风、洪水、海啸、雹暴、滑坡、地震、火山爆发、地陷、地火；
　　 （3）飞机坠毁和飞机部件坠落；以及
　　 （4）抢劫或入宅抢劫
　　 等原因所造成的被保险现金的损失。
　　 2. 除外责任：
　　 本公司不负责下列原因所造成的被保险现金的损失：
　　 （1）被保险人的雇员，被保险人的同住人或家庭成员或业务员的不诚实。
　　 （2）被保险人及其代表的故意行为或实际过失。
　　 （3）战争、类似战争行为、敌对行为、武装冲突、没收、征用、罢工暴动及民众骚动。
　　 （4）核反应、核辐射或放射性污染。
　　 （5）任何种类的间接或后果损失以及承保范围规定以外的任何原因。
　　 3. 索赔处理：
　　 （1）被保险人一经发现引起本保险单项下索赔的任何损失，应立即为书面方式通知当地公安局及本公司，说明有关损失的情况，及发现损失的办法，并应在发现损失后七天内送交本公司一份详细损失清单。被保险人应允许本公司授权的代表检查营业处所，并应提供证实索赔所合理需要的所有说明和证据。
　　 （2）被保险人应采取一切切实可行的步骤，发现和惩罚罪犯，追赶查及找回丢失的现金，并补偿本公司在本保险单项下赔付或须负责赔偿付的有关金额。本公司可在任何时候自己交付费用，无论被保险人与本公司之间存在任何异议，使用认为合理的措施追回丢失的或按照推测已经丢失的并由本保险单承保的现金。为此目的，被保险人应在本公司需要时，给予所有说明和合理的协助。
　　 （3）作为任何赔款付的一项条件，可以需要被保险人签署一份权益转让书，给予本公司对已赔付的现金的有效法律权益。任何赔付后追回的金额均应为本公司的财产，但其金额以本公司赔付的为限。
　　 （4）任何一年内对损失所赔付给被保险人的金额，应从总保险金额中减除，使在使用一年中本公司应赔付的金额不超过附表所列的总保险金额。但本公司可根据被保险人的要求，在其缴付按已赔付的损失金额计算的附加保险费后，恢复总保险金额。
　　 （5）发生本保险单责任范围内的损失时，如另有承保同枯损失责任的任何性质的保险（不论是否由被保险人投保），本公司对这项损失仅负责赔付应付金额的比例部分。
　　 （6）如果被保险人填写的投保单有任何方面的不真实，或投保单内影响承保危险的任何重大事实作错误叙述或予以遗漏，或本保险或其任何续保是通过错误的陈述、伪报或隐瞒取得的，或提出的任何赔偿要求有欺诈，作为索赔申报或陈述有虚假，则在上述任何一种情况下，本保险单应予失效。
　　 （7）除被保险人外，任何人都无权向本公司提出要求。本公司对被保险人的权益转让不受约束，除非本公司对此声明保险继续有效。
　　 4. 其他事项：
　　 （1）被保险人应采取合理的预防措施，防止发生意外事故，并对本公司代表提出的正当的防止损失建议，给予认真的考虑并付诸实施。如果被保险人拒绝采用本公司提出的这类建议，本公司有权拒绝赔付由此引起的任何索赔。
　　 （2）如果被保险现金数额有任何变更或风险增大，被保险人应立即书面通知本公司，由本公司照予批改保险单。如被保险人未予照办，本公司对由于这种现金数额变更或风险增大所造成的任何损失，概不负责。
　　 （3）本保险单可在任何时候根据被保险人的要求终止，也可由本公司在任何时候提前十五天通知，注销保险单。在前一种情况下，本公司将根据本保险单已生效时期按短期费率计算，保留一笔保险费，在后一种情况下，这项保险费将按日计算。
　　 （4）被保险人与本公司之间在本保险单项下的一切争议应通过友好协商解决。如双方协商后无法解决，应将争议提交仲裁或法院解决。除非另有协议，仲裁或诉讼应在被告所在地进行。
　　 （5）本公司在任何情况下都不负责赔偿从发生损失时起十二个月以后的任何损失，除非索赔尚在法院审查或仲裁中。

MONEY INSURANCE POLICY

　　 Whereas the Insured named in the Schedule hereto by a signed Proposal and Declaration which Proposal and Declaration the Insured has agreed shall be the basis of this contract and be held as incorporated herein applied to ×××× (hereinafter called "the Company") for Money Insurance.
　　 Now This Policy of Insurance Witnesses that in consideration of the payment to the Company of the premium written in the Schedule hereto if at any time during the Period of Insurance any sum or sums mentioned in the said Schedule shall be lost due to the risks insured against, then the Company shall, subject to the Schedule, Exclusions, terms and conditions contained herein or endorsed hereon, indemnify the Insured and/or the Aggregate Sum Insured shown in the Schedule.
　　 Provided always that the due observance and fulfilment of the terms and conditions of this Policy in so far as they relate to anything to be done or complied with by the Insured and the truth of the statement and answers relating to this insurance shall be conditions precedent to any liability of the Company to make any payment under this Policy.
　　 In witness whereof, now this Policy has been signed in ____________.
　　 By

SCHEDULE

　　 1. The Insured:
　　 2. The Premises:
　　 3. The Business:
　　 4. Period of Insurance:
　　 5. Interests Insured: Cash, Bank Notes, Cheques, Postal Orders, Unused Postage Stamps. Travellers Cheques. Luncheon Vouchers and Credit Card Vouchers.
　　 6. Sum Insured:
　　 Description Sum Insured
　　 (1) In the Premises: money whilst contained in the above mentioned Premises.
　　 (a) under lock and key other than in the safe or strongroom
　　 (b) contained in locked safe or strongroom
　　 -for normal days
　　 -for weekends
　　 -for special holidays, i.e., Christmas, New Year, Lunar New Year and Easter, and/or Long Holidays, i.e. Public Holidays on Monday and/or Saturday
　　 Sub-Aggregate Sum Insured for Money in the Premises
　　 (2) In Transit: money whilst in direct transit by car accompanied by the Insured's authorized employees during business hours between the Premises and/or banks and/or customers' premises and/or post office within the area of the city of the People's Republic of China.
　　 (a) on week days
　　 (b) days after weekends or holidays
　　 sub-Aggregate Sum Insured for Money in Transit
　　 (3) In the Private Residence of the Insured or Authorized Employees.
　　 (4) Crossed Cheques, Crossed Bankers Drafts, Crossed Postal Orders, Crossed Money Orders, whilst in Transit and whilst in the Premises.
　　 Note: the sums insured under Items (3) and (4) shall be subject to the Sub-Aggregate sums Insured under Item (1) and (2) as the case may be.
　　 7. Aggregate Sum Insured for the Period of Insurance:
　　 8. Premium:

SPECIAL CONDITIONS

　　 1. Strong Room Clause
　　 The room in which the safe is placed must be in a safe condition with appropriate protective systems against theft or burglar.
　　 2. Locked Safe Clause
　　 The safe must meet the technical standard as designed specifications. And during off business hours, the safe must be locked.
　　 3. Key Clause
　　 All key and duplicate keys of the safe must be in the custody of two persons rather than one person, and are removed from the premises at night, except where absolutely necessary, and at all other time when the premises are closed for business. During the Business hours, the captioned keys should be rested in a hidden place.

CONDITIONS

　　 1. Scope of Cover
　　 The Company shall be liable for loss of or damage to the Insured Money caused by
　　 (1) fire, thunder-and-lighting, explosion;
　　 (2) storm, hurricane, typhoon, cyclone, flood, seaquake, hailstorm, rockslide, earthquake, volcanic eruption, subsidence of ground, subterranean fire;
　　 (3) crashing aircraft and parts or articles falling from aircraft; and
　　 (4) robbery by force or housebreaking.
　　 2. Exclusions
　　 The Company shall not be liable for loss of or damage to the Insured Money caused by or resulting from
　　 (1) the want of integrity of the Insured's employees, any inmate or member of the Insured's household or business staff;
　　 (2) intentional act or actual fault of the Insured and his representatives;
　　 (3) war, warlike operation, act of hostilities, armed conflicts, confiscation, requisition, strike, riot and civil commotion;
　　 (4) nuclear reaction, nuclear radiation or radioactive contamination; and
　　 (5) indirect or consequential loss of any description, and any cause other than those named in the Scope of Cover.
　　 3. Treatment of Claim
　　 (1) On the discovery of any loss giving rise to a claim under this Policy the Insured shall forthwith give notice thereof in writing to the local public security bureau and also to Company stating the circumstances connected therewith and the manner in which it has been discovered and shall, within seven days after such discovery, deliver to the Company a detailed statement of such loss. The Insured shall permit the authorised representatives of the Company to examine the premises and shall furnish all such explanations and evidence as may be reasonably required to substantiate the claim.
　　 (2) The Insured shall take all practicable steps to discover and punish the guilty person or persons, to trace and recover the Money lost, and to recoup the Company so far as may be in respect of the amount the Company shall pay or be liable to pay under this Policy. The Company may at any time at its own expense and without prejudice to any question between the Company and the Insured use all such means as may be reasonable to them for the recovery of any Money lost or supposed to be lost and covered by this Policy, and for this purpose the Insured shall, as and when required by the Company, give all information and reasonable assistance.
　　 (3) The Insured may be required as a condition of any settlement to sign a letter of subrogation giving the Company a valid legal title to the Money settled for. Any money recovered after settlement of any claims shall be the property of the Company not exceeding, however, the amount paid by the Company.
　　 (4) All sums which may from time to time be paid to the Insured in respect of loss in any one year shall be accounted in diminution of the Aggregate Sum Insured so that the total amount payable by the Company in any one year shall not exceed the Aggregate Sum Insured shown in the Schedule. The Company will however on the request of the Insured reinstate the Aggregate Sum Insured Provide that the Insured shall pay an additional premium calculated on the amount of the loss or losses paid.
　　 (5) If at the time of happening of any loss covered by this Policy there shall be any other subsisting insurance of any nature whatsoever covering the same whether effected by the Insured or not, then the Company shall not be liable to pay or contribute more than its rateable proportion of such loss.
　　 (6) If the Proposal and Declaration made by the Insured is untrue in any respect, or if any material face effecting the risk be incorrectly stated herein or omitted therefrom, or if this insurance of any renewal thereof shall have been obtained through any misstatement, misrepresentation or suppression, or if any claim made shall be fraudulent or exaggerated, or if any false declaration or statement shall be made in support thereof, then in any of these cases, this Policy shall be void.
　　 (7) Nothing contained herein shall give any rights against the Company to any person other than the Insured, and the Company will not be bound by any passing of the interest of the Insured, unless and until the Company shall by endorsement hereon declare the insurance to be continued to this effect.
　　 4. Other Matters
　　 (1) The Insured shall take reasonable precautions to prevent accidents from happening and give serious consideration to and put into practice any justified recommendations for loss prevention put forward by the representative from the Company. If the Insured refuses to adopt such recommendations by the company, the Company shall be entitled, to turn down any claim arising therefrom.
　　 (2) In case of any change in the Insured Money or increases in the risk exposure, the Insured shall forthwith advise the Company in writing from the latter to endorse the Policy accordingly. If the Insured fails to do so, the Company shall not be liable for any loss or damage resulting from such change or increased risk exposure.
　　 (3) This Policy may be either terminated at any time at the request of the Insured or cancelled at any time at the option of the Company by giving fifteen days notice to the Insured. In the former case the Company shall retain a premiums calculated on short period rating basis for the time the Policy has been in force while in the latter case such premium shall be calculated on pro rate daily basis.
　　 (4) All disputes arising between the Insured and the Company under this Policy shall be settled through friendly negotiations. Where both sides fails to reach a settlement after negotiations, such dispute shall be submitted to arbitration or court for legal action. Unless otherwise agreed, arbitration or legal action shall be carried out in the place where the defendant is domiciled.
　　 (5) In no case whatsoever shall the Company be liable for any loss after the expiration of twelve months from the happening of the loss unless the claim is the subject of pending court action or arbitration.
　　
　　 现金保险单解释

　　 现金保险承保火灾、爆炸、自然灾害、飞机坠毁以及抢劫等造成的现金损失。
　　 现金保险的保险标的包括：现金、支票、邮政汇票、未使用邮票、旅行支票、餐券信用卡单据等。
　　 附表
　　 1. 被保险人：拥有现金的法人、团体、单位或个人。
　　 2. 营业处所：被保险人经营业务的场所。
　　 3. 营业性质：被保险人生产经营业务的种类或性质。
　　 4. 保险期限：保险单的有效时间单位。
　　 5. 保险标的：被保险的现金种类。
　　 通常一个单位的现金风险会在两种情况下出现。第一种是在营业处所保存的现金，第二种是来往于营业处所及银行或邮局间途中所携带的现金。被保险人可以根据每发生一次事故可能造成的最大损失来确定每次事故的最高赔偿限额。如果风险较大，有数次发生的可能，那么可以分别设定累计赔偿限额。整个保险期内的最高赔偿金额可据此得出。
　　 1. 在营业处所保存的现金中，可分为两种情况
　　 （1）在没有上锁的保险箱或金库中有多少现金。
　　 （2）在上锁的保险箱或金库中有多少现金。
　　 如果细分的话，以上两项还可分为：平时、周末、假日有多少现金。
　　 2. 在运输途中的现金（平时、节假日）有多少。
　　 3. 在被保险人从或其授权的雇员家中（私人住宅）有多少现金。
　　 4. 除了现金以外的其他汇票。
　　 以上四项的总和即保险期间的总保险金额
　　 特别条件：保险公司要求被保险人在投保现金保险时必须具备的条件。
　　 1. 金库条款：存放保险柜的处所必须具备适当的防盗系统或保卫制度。
　　 2. 保险柜上锁条款：保险拒必须符合专门设计的技术标准。在不营业的时间里，保险柜必须是锁住的。
　　 3. 保险柜钥匙条款：保险柜的钥匙和备用钥匙必须由两人保管，而且在晚上和非营业期间应当带离存放保险柜的房间，在营业期间，所使用的钥匙要放在别人看不见的地方。
　　 只有被保险人遵守以上条件，在被保险人现金发生保险责任范围内的现金损失时，保险公司才负责赔偿。
　　 条件
　　 1. 承保范围：保险公司列明的风险，只有在这些风险之内并且由此导致被保险现金损失时，保险公司才负责赔偿。
　　 2. 除外责任：现金保险是指明风险，除在承保范围中列明的风险外，其他风险都属于除外的。因此，属于承保范围以外风险造成的损失都得不到保险公司的赔偿。
　　 3. 索赔处理：处理赔偿的方法及被保险人应当遵守的规定和承担的义务。