Private medical insurance works alongside state care and provides you and your dependents (spouse or partner and unmarried children) access to the private health care sector.

Efes participates with a network of more than 200 partner medical centers in RA and NKR. If you visit a partner center, there’s no need to file a claim. You can also file a claim to be reimbursed if you use your own provider or pay for care yourself.

Please read the Armenia Medical Policy [PDF] English | Armenian for benefit coverage.

All regular employees, Adobe-paid temporary employees, and interns are eligible to participate in the private coverage. You may also cover your spouse or domestic partner and unmarried children up to the renewal period that happens after the child turns age 26.

For details on enrollment and adding dependents to your medical plan, visit the Eligibility and enrollment page.

There is no cost to you for coverage. Adobe funds the premium for you and your spouse or partner and your children. Note that it is not possible to cover siblings, parents, or other members of the extended family.

Review this presentation [PDF] English | Armenian for details on what the plan covers. Highlights include:

• Annual health checkup (available at certain medical facilities), including lab tests, exams, and specialist consultations
• Outpatient and inpatient treatment
• Ambulance service
• Vertebrology and physiotherapy sessions
• Ophthalmology care, including reimbursement for glasses and or contact lenses, up to ֏30 000 annually
• Dental services (exclusions apply)
• Pregnancy and childbirth benefits for services that are out of scope of state order
• Mental health services, up to ֏200 000
• Cancer coverage for non-surgical treatments, including chemotherapy and radiation therapy up to ֏750 000 per person

There are no claims to file if you use a network doctor.

If you visit a nonparticipating doctor or pay for expenses yourself and need to be reimbursed, you will need to submit a claim form, available via the Efes app (Apple | Google Play), with documentation:

• A medical statement that includes your diagnosis and is properly sealed and signed
• A payment receipt or invoice as proof of payment
• Personal details, including name, surname, social card number, and bank account information.

You can submit your claim and documents via the Efes mobile app, by email, or via the website. For more information, please review the Efes Claims Process [PDF].