Your annual gross income determines your cover options. If your income is less than the threshold, you must enrol in statutory health insurance; if it is higher, there is optional private health insurance. In either case, Adobe shares the cost of cover with you.

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Who’s eligible

All regular employees, Adobe-paid temporary employees, and interns with an annual gross income less than the annual threshold (€69.300 in 2024) are required to have statutory health insurance (Gesetzliche Krankenversicherung or GKV).

Contributions

Adobe contributes to the cost of statutory health insurance and statutory long-term care insurance on a co-sharing basis as follows:

• Adobe contributes 7,3% of the employee gross salary.
• Employee contributions vary between 7,7% and 8,8% of gross salary up to the salary ceiling of €62.100 per year (2024), depending on salary and type of insurance (Krankenkassen).
• If the contribution assessment ceiling (€62.100 per year) is exceeded, the income above does not change the contribution. Adobe contributes to the cost of statutory long-term care insurance (Pflegepflichtversicherung) on a co-sharing basis.

Dependants will be insured free of charge with the family insurance policy.

Cover

Statutory health insurance primarily includes benefits that are standard services and compulsory for all insurance providers, including:

• Practice-based treatment by family doctors, specialists, and psychotherapists
• Hospital-based treatment
• Screening tests
• Vaccinations
• Medical care related to pregnancy and birth
• Prescription drugs
• Physiotherapy
• Medical aids
• Basic dentistry, including check-ups, gum treatment, and orthodontic treatment

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Who’s eligible

All regular employees, Adobe-paid temporary employees, and interns with an annual gross income higher than €69.300 (2024) per year (Jahresarbeitsentgeltgrenze) may enrol in private medical insurance (Private Krankenversicherung or PKV).

Cover

Private medical insurance benefits vary by provider. Plans may include access to private practice doctors, more comprehensive cover for medical procedures, and access to semiprivate and private rooms in hospitals.

Reimbursement

Adobe reimburses employees 50% of the cost of private medical insurance for employees and their dependants, and 50% of the cost of private long-term care insurance, up to an annual limit set by the government.

How to get reimbursed

Log in to My Adobe Benefits to apply for private medical insurance reimbursement.

You will be required to upload the following insurance documents provided by your insurer:

1. Bescheinigung zur Erlangung des Arbeitgeberzuschusses.
   • Für die private Krankenversicherung nach § 257 SGB V (costs of private medical insurance).
   • Für die private Pflegepflichtversicherung nach § 61 SBG XI (costs of private nursing care insurance).
2. Vorsorgeaufwendungen §10 Abs. 1 Nr. 3 EstG (costs for tax).

Once your claim is approved, reimbursements will be issued through payroll and will be paid in 12 equal instalments via your monthly payslip. Reimbursements could take one to two months to process, depending on when your claim is received in the payroll cycle.

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Access online resources and events for support for menopause and men’s and women’s health issues through the Peppy Health app. Employees and their spouses or partners have complimentary access to Peppy Health.

How to get started

1. Download the Peppy Health app (App Store or Google Play).
2. Register each service separately (i.e., Menopause, Women’s Health, Men’s Health) with your Adobe email address. (If your partner is signing up, they need to register with your Adobe email address and then add their personal email address to their profile.)
3. Enter your personal email address (to be used for communications and the in-app chat function) and an anonymous chat username, and create a password.
4. Complete the brief introduction questionnaire. Start using Peppy Health!

Please email support@peppy.health if you need support for the Peppy app.

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