diff --git a/activesupport/lib/active_support/core_ext/hash/conversions.rb b/activesupport/lib/active_support/core_ext/hash/conversions.rb
index 7e3a8c6775..61a1d88b0e 100644
--- a/activesupport/lib/active_support/core_ext/hash/conversions.rb
+++ b/activesupport/lib/active_support/core_ext/hash/conversions.rb
@@ -108,7 +108,7 @@ class Hash
                   raise "can't typecast #{entries.inspect}"
                 end
               end
-            elsif value.has_key?("__content__") && value["__content__"].present?
+            elsif value['type'] == 'file' || value["__content__"].present?
               content = value["__content__"]
               if parser = ActiveSupport::XmlMini::PARSING[value["type"]]
                 parser.arity == 1 ? parser.call(content) : parser.call(content, value)