Learn about the excellent coverage you receive from Adobe’s medical plans. Health care is a big part of your total rewards, and we want to help you get the most from it.
Enjoy access to the following plans, and learn about associated costs.
Health insurance
Adobe provides comprehensive medical insurance through Generali for employees and their families. There is also a separate medical insurance plan for interns. The premiums are 100% paid for by Adobe through the insurer, Generali China.
You must manually enroll your dependents via My Adobe Benefits. See step-by-step instructions on the dependent enrollment process.
Eligibility
You are eligible for coverage if you are between the ages of 16 and 65. You can cover your spouse under age 65 and children up to 18 years of age; full-time students can remain on the plan until they are 23 years old.
You may cover your spouse and children by enrolling them in benefits on My Adobe Benefits within 60 days from the date of marriage or birth.
What’s covered
The tables below highlight the coverage for employees, spouses and children.
Employee coverage
The supplemental medical insurance reimbursement ratio depends on the class of service provided.
| Service | Annual limits (￥) |
|---|---|
| Outpatient and emergency, including dental (￥100 for registration fee per visit) | 20,000 |
| Inpatient (￥200 daily limit for bed fee) | 20,000 |
| Maternity (100% covered up to annual limit) | 8,000 |
| Hospital income due to accident and illness | 100 per day (ICU: 200 per day) |
Spouse coverage
The comprehensive medical insurance reimbursement ratio is 90%.
| Service | Annual limits (￥) |
|---|---|
| Outpatient and emergency, including dental (annual deductible: ￥300) | 20,000 |
| Inpatient (daily limit for bed fee subject to SMI) | 20,000 |
| Maternity (100% covered up to annual limit) | 8,000 |
Employee’s children coverage
The comprehensive medical insurance reimbursement ratio is 100%.
| Service | Annual limits (￥) |
|---|---|
| Outpatient and emergency, including dental (no deductible) | 20,000 |
| Inpatient (daily limit for bed fee subject to SMI) | 20,000 |
For coverage details, refer to the Employee Insurance Benefits Handbook [PDF]. Review the Local Medical Benefits Employee Presentation [PDF] for benefit highlights. You may also review the China Local Medical Benefits Employee Presentation (video) on Inside Adobe for more information.
How to get reimbursed
There are two ways to get reimbursed. If you need more details on using the app or filing a claim, please review the Employee Insurance Benefits Handbook [PDF]. If your amount to be reimbursed is less than ￥800, you can use the iGCL app to get reimbursed:
- Search for the iGCL app in the App Store, and download.
- Complete the information required in the app for reimbursement.
If you have an amount greater than ￥800:
Complete the Generali Claim Form (Chinese) [PDF], and send it to Generali:
- Submission address: 6F, SK Tower, No. 6 Jia, Jianguomenwai Avenue, Chaoyang District (北京市朝阳区建国门外大街甲6号 SK大厦6层)
- Receiver: Beijing, Adobe Team (奥多比 项目组)
- Tel : 010-59303139
Outpatient allowance
In addition to the medical insurance plan, Adobe provides an annual outpatient allowance of ￥2,000. If you join Adobe midyear, this amount is prorated, based upon the number of full months remaining in the year. You may use this allowance to cover the costs of outpatient care for yourself and your eligible dependents (child and spouse).