The new Emerald Value option, which includes a hospital network, offers the same rich benefits as the existing Emerald option, but at a more affordable rate.
Members who stay on Emerald face contribution increases of 15% for 2017, while members who switch from Emerald to the new Emerald Value will have lower increases - as low as 0%* - after their medical subsidy is included. *Please note: Depending on the number of dependants, most Emerald members will experience a 0% increase and even a decrease in the actual out-of-pocket amount they pay. Please consult your HR on what your subsidy entitlements are.
View your 2017 Emerald benefit guide.
Click here to view Frequently Asked Questions about the Emerald Value Option.
Contributions (how much you pay each month to be a member of GEMS)
As always, GEMS aims to bring you the best possible healthcare benefits to suit your needs. Offering you more choices is what our commitment to you is about.
The contributions in the table below do not include employer subsidies. In some cases, you might qualify for a subsidy from your employer. A subsidy is an amount your employer pays towards the cost of being covered by GEMS. If you qualify for a subsidy, the employer will pay a portion of the contribution each month and you will pay the rest. You must find out about the subsidy from your employer.
If you have any questions about your subsidy, you should discuss them with your Human Resources (HR) Department. A useful contribution calculator will help you to work out your monthly contributions, if you are employed in the public service.
|R0 - R11 892||R2 066||R1 498||R757|
|R11 892.01- R20 538||R2 287||R1 682||R849|
|R20 538.01 +||R2 563||R1 870||R946|
Salary column: This reflects the monthly salary amount before tax or other benefits are deducted.
Member column: This column shows how much the principal member, who is the public service employee registered with GEMS, has to pay.
Adult column: This oclumn shows how much you have to pay for your adult dependants.
Child column: This column shows how much you have to pay for a child dependant. GEMS covers children up to the age of 21, unless the child is mentally or physically disabled or is below 28 years of age and is a student registered at a recognised educational instutution.
We send a contribution statement to members who owe money to GEMS on a monthly basis. We also send a contribution statement to all members on a quarterly basis. The contribution statement sets out your monthly contribution payment and any money that you owe to GEMS. This statement helps you to check that your contributions are always up-to-date.
Managing arrear contributions
You might be behind in your payment to GEMS if any of the following happen:
GEMS will send you a letter confirming the amount that you owe us. You will also receive a monthly contribution statement if your payments are behind.
If you need help with paying the contributions you owe, please contact the Scheme or ask your HR Department to help you with the repayment terms.
Remember: Your annual contribution increases are effected in January and may be increased with your annual salary increase. It is your responsibility to ensure that your contributions are paid monthly and are up to date.