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WELCOME TO THE GEMS MEMBER ONLINE FACILITY

Thank you for visiting us online. Sign in here to access your membership information.

On this secure website you can:

  • View your available benefits.
  • View your personal details and update your contact details.
  • Search for recent claims.
  • View your past claims statements, hospital pre-authorisations or chronic authorisations.
  • Choose in which language you would like to receive your communication.
  • Request a new membership card and generate a printable membership certificate.
  • And so much more!

Any queries? Please provide your feedback so that we can make your GEMS online experience a pleasant one.

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Reasons for rejected claims


The claims you or your healthcare provider submit to the Scheme can be rejected for various reasons. For example, claims must be received by the Scheme for processing within four months from the date of receiving a service. A claim that is received after four months from the date of service is regarded as stale in accordance with the Medical Schemes Act and the Schemes rules. A claim that does not have all the information needed according to the Rules and the Act. If your claim is rejected due to outstanding information, you only have 60 days to resubmit, otherwise the account will not be paid.

Other common reasons why claims can be rejected include:

  • ‘Incorrect dependant code for patient DOB' - This means the dependant code or name does not match the dependant's date of birth.
  • ‘Member or dependant resigned. Member liability' - A member or dependant can resign from the Scheme by giving one month's notice or due to eligibility reasons such as your dependant turning 21. A member is responsible for any claims incurred after they resign from the Scheme.
  • ‘The maximum benefit allowed has been exceeded' - This means your benefits for that service are depleted. You should contact our call centre on 0860 00 4367 to confirm available benefits.
  • ‘The medicine requested is a Scheme exclusion' - GEMS will not pay for certain medicines, treatments or procedures; these are called Scheme exclusions. Please refer to Rule 16 and Annexure E of the Scheme rules for a list of the Scheme exclusions. A copy of the Scheme rules can be obtained on www.gems.gov.za under About Us or by requesting them through our call centre at 0860 00 4367.
  • ‘Pre-authorisation is required' - Pre-authorisation must be obtained at least 48 hours before a planned hospital admission or event. In the event of emergency treatment or admission to hospital over the weekend, public holiday or at night, the call centre must be contacted on 0860 00 4367 on the first working day after the admission.

Check your claims statement regularly as the reason for rejection of claims will reflect on your statement, if any. For a useful and easy guide on how to interpret your claims statement, please refer to www.gems.gov.za > Members > Claims. 

Forms >

Download various forms relating to your membership in easy-to-use PDF format. Click Here >

Member Enquiries >

0860 00 4367 (Call Centre) enquiries@gems.gov.za More Contacts >

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