Adobe provides health insurance through a statutory plan with Tokyoto Joho Sangyo Health Insurance association (TJK) and a supplementary plan with MetLife.
Statutory medical insurance
The following services are covered:
|Statutory medical benefit||TJK supplementary benefit|
|Medical expenses, outpatient and hospitalization, with 70/30 coinsurance||Not applicable|
|High-cost medical expenses||Partial return benefit: (actual cost paid by employee—statutory medical benefit) JPY20,000 = benefit (minimum JPY1,000)|
|Visiting nursing care cost|
|Treatment equipment cost, e.g. corset|
|Hospitalization meal support||Not applicable|
|Emergency transfer cost||Not applicable|
|Disability: 2/3 of average standard monthly remuneration of past 12 months, up to 1.5 years of the same disease||Not applicable|
|Midwife expenses: JPY420,000 per delivery per child||JPY100,000 per child|
|Funeral expenses: JPY50,000 for employee and dependents||One month of standard monthly remuneration for employee or JPY50,000 for dependents|
To learn more, visit http://www.tjk.gr.jp (Username: tjk; Password: kenpo).
Supplemental medical insurance
On top of the statutory medical insurance, Adobe partners with MetLife to provide hospitalization and surgical coverage at no cost to you. All regular employees and Adobe paid temps (full time) are eligible for this benefit.
When you are admitted in a hospital for one or more days due to an injury or illness, the plan pays a lump sum of JPY5,000 per day for up to 120 days.
If you undergo a surgical operation, a lump sum of JPY50,000, JPY100,000 or JPY 200,000 will be paid to you, based on the type of operation performed.