Adobe provides sick time that is paid at 100% of your base salary for 90 days. If your disability lasts longer, Adobe has cover in place to protect your income and minimize your financial worries, depending on the cause of your disability.
Mandatory accident insurance (UVG)
If you are injured either at work or away from work and unable to carry out your duties, Adobe has cover in place to protect your income.
This insurance includes the following benefits:
| General | Medical treatment (hospital general ward), rescue costs, transportation of body, and funeral expenses |
|---|---|
| Compensation for disability | In accordance with the percentage of disability as a % of CHF 148'200 |
| Short-term disability | Daily allowance of 80% salary up to CHF 148'200, after a waiting period of two days |
| Long-term disability | Disability pension of 80% salary up to CHF 148'200 |
| Death benefits | Spouse’s pension of 40% salary up to CHF 148'200 Orphan's pension of 15% salary up to CHF 148'200 Maximum benefits of 70% salary up to CHF 148'200 |
Eligibility and enrolment
All regular, Adobe-paid temporary employees and interns are eligible and are automatically enrolled in mandatory accident insurance and are covered for occupational and non-occupational accidents if they are actively at work in their normal occupation. If an employee is not actively at work, cover will begin the day of returning to full-time active employment. Employees working fewer than eight hours per week are only covered for occupational accidents.
Cover
Adobe provides cover from day three of your being off work. You will continue to receive 100% of your insured salary (AVS salary) for the first 90 continuous days off from work. From day 91, the mandatory accident insurance provided by Generali will provide you with cover of 80% of your insured salary (AVS salary) up to CHF 148'200.
If a claim is payable, the daily allowance payments are made by Adobe and are treated as salary and are subject to income tax. Payments for medical treatment are paid directly by Generali.
Employee and employer pension contributions will continue to be paid into your Adobe pension plan during this period. As of the fourth month, the pension provider will take over the pension contributions.
For plan details, review these documents:
- Benefits at a glance [PDF]
- Switzerland Illness and Accident Policy Conditions [PDF]
- Generali Accident Card – Basel Office [PDF]
- Generali Accident Card – Zürich Office [PDF]
Contribution
The premium cost of providing this cover is split 50/50 between Adobe and you.
How to make a claim
To register your claim, contact Generali at 00 41 800 82 84 86, and provide the information over the phone or make a claim online following these steps:
- Download the appropriate claim form relating to the site where you are based (Basel or Zürich).
- Minor Accident – with no time off work or time off work less than three days:
- Accident – with time off work for more than three days:
- Complete the form that applies to you, enclose your pay slips for the last three months (not needed for minor accidents), and send to psnl.adliswil.ch@generali.com.
- Generali will review your application and will notify you of your claim’s status within three weeks. The notification will include a personal reference number that you can forward to your treating doctor or hospital.
If you have any questions, contact the Employee Resource Centre.
Mandatory accident insurance FAQs
Do I get any confirmation of cover?
No, there will be no confirmation of cover sent to employees. All eligible employees will be enrolled automatically from the date of hire.
Am I covered by this insurance while on paid holiday or paid parental leave?
Yes, the policy remains active during paid holiday and paid parental leave.
What happens if I’m off work unpaid for greater than one month?
Coverage for medical costs can be included in the private health insurance for the duration of the unpaid leave. In this case, it is the responsibility of the employee to include the coverage in their individual private health insurance. The cost would be covered by you. (They are included in your regular monthly premium invoices from your medical provider).
If continuation of the benefits according to the mandatory accident insurance is desired, an insurance by convention can be purchased by yourself at a cost of up to CHF 45 per month. The relevant form, including payment slip and further details, is attached.
Sign and return the Notification of Unpaid Leave [PDF] to the ERC.
What happens if I leave Adobe?
If you leave Adobe, you will continue to be insured against non-occupational accidents for 31 days from your last working day. You may be able to convert your cover to an individual policy to receive up to six additional months of insurance cover. See additional details on Inside Adobe.
Daily indemnity insurance (KTG)
If you are unable to work due to an illness for more than 90 continuous days, Adobe has cover in place to protect your income and minimize your financial worries.
Eligibility and enrolment
All regular employees, Adobe-paid temporary employees and interns are eligible to participate and are automatically enrolled if they are actively at work in their normal occupation. If you are not actively at work, cover will begin the day you return to full-time active employment.
Cover
Adobe provides cover from day one of your being off work due to an illness, subject to complying with the rules for applying for medical leave at Adobe.
You will continue to receive 100% of your insured salary (AVS salary) for the first 90 continuous days off from work. From day 91 of your absence, insurance will provide you with 80% of your insured salary for up to 640 days if you are fully unable to work.
If you are partially disabled, daily benefits are adjusted to the level of incapacity, to a minimum of 25%. This insurance benefit replaces all rights to salary starting from day 91.
Adobe will pay claims directly to you. Payments are treated as salary and subject to income tax.
Contribution
The cost of providing this cover is split 50/50 between Adobe and you.
How to make a claim
To register your claim, call Generali at 00 41 800 82 84 86, or follow these steps:
- Download the claim form relating to where you are based (Basel or Zürich):
- Complete the form, enclose your pay slips for the last three months (not needed for minor accidents), and send to psnl.adliswil.ch@generali.com.
- Generali will review your application and will notify you of your claim’s status within three weeks. The notification will include a personal reference number that you can forward to your treating doctor or hospital. If you have any questions, contact the Employee Resource Centre.
Daily indemnity insurance FAQs
Will I receive confirmation of cover?
No, there will be no confirmation of cover sent to employees. All eligible employees will be enrolled automatically from the date of hire.
Am I covered by this insurance while on paid holiday or paid parental leave?
Yes, the policy remains active during paid holiday. If you are on maternity leave, after each birth, the obligation to pay daily allowance benefits under this plan is suspended as soon as you become entitled to benefits from compulsory Swiss or foreign maternity insurance or any other complementary insurance.
This suspension applies throughout the term of the legal and/or contractual benefits. If you are not entitled to any benefits from maternity insurance, the obligation to pay daily allowance benefits ceases for eight weeks following the birth.
What happens if I leave Adobe?
The insurance coverage ends 30 days following the date you terminate employment (or 31 days for months containing 31 days, provided employment is terminated at the end of a calendar month). Insurance cover will end earlier than 30 days if you start working for a new employer during that time. You may transfer cover to an individual insurance policy within 90 days following your departure from Adobe. See additional details on Inside Adobe.
Supplemental accident insurance (UVGZ)
If you are injured and unable to work for more than 90 continuous days, Adobe has cover in place to protect your income and minimise your financial worries. The insurance coverage is offered in addition to mandatory accident insurance. For plan details, review Switzerland Illness and Accident Policy Conditions [PDF].
Eligibility and enrolment
All regular, Adobe-paid temporary employees and interns are eligible and are automatically enrolled if they are actively at work in their normal occupation. If you are not actively at work, cover will begin the day you return to full-time active employment.
Cover
Adobe provides benefits as of day 91 of you being injured and unable to work. The following benefits are insured:
| General | Medical costs in hospital private ward |
|---|---|
| Short-term disability | Daily allowance of 80% of the insured salary above CHF 148'200 to maximum CHF 300'000, after a waiting period of 60 days |
| Long-term disability | 200% of annual salary up to CHF 300'000 |
| Death benefits | 100% of annual salary up to CHF 300'000 |
If your claim is approved, daily allowance payments are made to you by Adobe and are treated as salary and subject to income tax. Payments for medical treatment are paid directly by Generali.
Employee and employer pension contributions will continue to be paid into your Adobe pension plan during this period. As of the fourth month, the pension provider will take over the pension contributions.
Note that after being unable to work for at least one year, a person can be classified as disabled by the state disability insurance (IV/DI) and can be entitled to a state disability pension.
Contribution
Adobe pays 100% of the cost of providing this cover.
How to make a claim
To register your claim, contact Generali at 00 41 800 82 84 86, or make a claim following these steps:
- Download the appropriate claim form relating to the site where you are based (Basel or Zürich).
- Minor Accident – with no time off work or time off work less than three days:
- Accident – with time off work for more than three days:
- Complete the form, enclose your pay slips for the last three months (not needed for minor accidents), and send to psnl.adliswil.ch@generali.com.
- Generali will review your application and will notify you of your claim’s status within three weeks. The notification will include a personal reference number that you can forward to your treating doctor or hospital.
If you have any questions, contact the Employee Resource Centre.
Supplemental accident insurance FAQs
Will I receive confirmation of cover?
No, there will be no confirmation of cover sent to employees. All eligible employees will be enrolled automatically from the date of hire.
Am I covered by this insurance while on paid holiday or paid parental leave?
Yes, the policy remains active during holiday and paid parental leave.
What happens if I leave Adobe?
Insurance cover ends on the earliest of: the day before you start a new job, become entitled to unemployment benefits, or 31 days following the date of termination from Adobe.
If you are a foreign national, your cover will end, at the latest, 48 hours after your departure from Switzerland.
Insurance cover for part-time employees insured only for occupational accidents and occupational illnesses ends on their last working day.
You have the right to transfer your cover to an individual insurance policy within 90 days following departure. See additional details on Inside Adobe.