Life Insurance

Life Insurance provides financial protection for you and your family. You are eligible to participate if you are a regular employee scheduled to work at least 20 hours per week. These benefits are administered by Kotak Life Insurance.

Group Term Life Insurance

Adobe provides Group Term Life Insurance at no cost to you. The benefit is 2 times your annual fixed salary, with a minimum of INR 1,500,000 and a maximum of INR 25,000,000. You’ll be asked to complete a paper form on your first day to name a beneficiary for Group Term Life Insurance.

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Top Up Life Insurance

This benefit is optional coverage that’s in addition to the Group Term Life Insurance provided by Adobe. Participation is voluntary, and you can purchase coverage up to certain amounts. Details are in the Group Term Life Insurance Policy [PDF].


The cost varies from year to year. You can see the list of costs during enrollment. A new enrollment period starts on April 1, 2019.

How to sign up

  • Complete the enrollment form [PDF] and medical questionnaire [PDF] and pay for your coverage by sending a check to the current relationship manager. Contact the ERC for the most up-to-date contact information.
  • Follow the medical underwriting process.
    • If medical tests are not required, then a Certificate of Insurance will be issued to use within 8 working days.
    • If medical tests are required, then your Certificate of Insurance will be issued after any medical and underwriting decisions have been made. If you leave Adobe, we’ll prorate the premium and refund it to you.

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Group Personal Accident Insurance

Group Personal Accident insurance (GPA) protects you and your family financially if you die or are disabled due to an accident. Under this insurance, you’ll be paid according to the Group Personal Accident Insurance policy [PDF]. This sum is INR 20,00,000 for all regular employees.

Payments can only be made in India and in Indian Rupees.

Frequently asked questions

What kinds of the accidents are covered under the policy?

This insurance covers all types of accidents, including those sustained at work, at home, at play or on travel.

What is the weekly benefit?

If you’re on an unpaid leave for medical or recuperation reasons, this insurance pays you up to INR 10,000 per week or your actual weekly salary, whichever is less.

What dates is the policy in effect for?

April 1, 2019–March 31, 2020

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Employee Deposit Linked Insurance

Employee Deposit Linked Insurance (EDLI) is a statutory benefit that provides insurance coverage in the eventuality of demise of the member (Employee).

Review the EDLI Policy [PDF] for more information.

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