Money Insurance现金险
Covers cash and cheques — in your safe, and on the way to the bank.保你的现金和支票 —— 在保险箱里，以及去银行的路上。
Covers loss of money — cash, bank notes, cheques, postal and money orders — while kept in a locked safe or strong room at your premises, and in transit between your premises and the bank with your authorised employees.保现金、钞票、支票、邮政汇票、汇票的损失 —— 锁在场所保险箱或保险库里的时候，以及由你授权的员工在场所和银行之间运送的时候。
At a glance一眼看懂
What this policy pays for, what it doesn't, and what sits elsewhere.这张保单保什么、不保什么、什么要去别的保单找。
- Safe or strong room broken into保险箱、保险库被撬
- Robbery or hold-up at the premises场所被抢劫
- Cash in transit to and from the bank往返银行途中的现金
- Cheques and money orders支票、汇票
- Death or disablement of staff carrying the money运钞员工身故或残疾
- Staff dishonesty员工不诚实
- Counting or accounting errors点钱、算账错误
- Unexplained shortages说不出原因的短少
- Money left in an unattended vehicle留在无人看管车里的钱
What's covered基本保障
Under the circumstances described in your schedule.按附表写明的情况。
In the safe保险箱里
Taken from a locked safe or strong room by forcible and violent entry.被人暴力闯入，从锁着的保险箱或保险库拿走。
Robbery & hold-up抢劫
Robbery or hold-up while in the premises.在场所内被抢劫。
In transit运送途中
Between your premises and the bank, accompanied by your authorised employees.由授权员工陪同，在场所和银行之间运送。
What counts as money哪些算钱
Cash, bank and currency notes, cheques, postal orders, money orders.现金、钞票、支票、邮政汇票、汇票。
Add-on cover可以加保
Each one must be written on your policy schedule.每一项都要写进保单附表才算数。
- Death and permanent disablement of employees carrying the money — up to RM10,000 each运钞员工意外身故或永久残疾 —— 每人最高 RM10,000
Outsiders or your own staff?外人拿走，还是自己员工？
Two different policies.两张不同的保单。
Break-ins, robbery, hold-ups, and loss in transit.破门闯入、抢劫，以及运送途中的损失。
Money lost through an employee's fraud or dishonesty. See Fidelity Guarantee.员工诈骗或不诚实造成的金钱损失。看员工忠诚险。
Keep a record of the cash in the safe somewhere other than the safe. The claim is limited to the amount that record shows.保险箱里有多少现金，要另外记录、放在别处。赔多少，以那份记录为准。
After a loss, the money-in-premises limit drops by the amount paid unless you pay to top it back up.赔过一次后，场所现金的限额会扣掉已赔的数目，除非另付保费补回。
Not covered不保什么
The main ones. The full list is in your policy wording.这里列主要的，完整清单看保单条款。
If money is lost万一钱不见了
- Immediately马上Report to the police and notify the insurer in writing.报警，并书面通知保险公司。
- Within 7 days7 天内Deliver a written claim.交书面索赔。
- Keep the cash record留现金记录The record of cash in the safe, kept separately.另外存放的保险箱现金记录。
- Keep transit books留运钞账The insurer can inspect your record of money carried.保险公司可以查你的运钞记录。
Cash taken from a safe opened with its own key isn't covered — unless the key was taken by force or threat.用保险箱自己的钥匙打开拿走的钱不赔 —— 除非钥匙是被强抢或威胁拿去的。
Based on a standard Malaysian money insurance policy wording and a 2026 product disclosure sheet. Your own policy schedule and wording decide what you are covered for.依据马来西亚标准现金险条款及 2026 年产品说明书整理。实际保障以你的保单附表和条款为准。