Member
Service provider
DMA user
EmployerZone

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.

Member Sign in

Practice number: Four-digit numerical PIN: Confirm PIN: Bank branch code: Bank account number: Name and surname: ID number of applicant:

Post

Fax

Member Sign in

FAQs

Membership & Dependants ›

Who can join GEMS?

Why join GEMS?

Is it compulsory for new permanent appointments to join GEMS or can they join any medical scheme of choice and be subsidised?

Can contract workers join GEMS?

Who can join GEMS as dependants?

	Description of Dependant	Documentation required
1	Husband or wife	Completed dependant section on application form Note: If customary marriage, an affidavit from the member confirming the obligation towards the husband or wife.
2	Ex-husband or ex-wife	Completed dependant section on application form, and Copy of legal obligation to provide medical support per divorce settlement.
3	Partner	Completed dependant section on application form, and Sworn affidavit confirming that the dependant is the member's life partner. (Sworn affidavit to be completed by member, partner and witness)
4	Child (biological, adopted, step or foster) with member's surname, under the age of 21	Completed dependant section on application form. Note: If the child's surname differs from the member's, an affidavit confirming the obligation towards the child and stating the reason for the difference is required. (Sworn affidavit to be completed by member)
5	Child (biological, adopted, step or foster) with member's surname, over the age of 21	Completed dependant section on application form, and If child is a student: Proof of full-time registration at a recognised tertiary institution and Affidavit from member confirming financial dependency If child is totally dependent due to mental or physical disability: Proof of disability from a medical practitioner (medical assessment report to be completed by medical practitioner) and Affidavit from member confirming the child is not in a state institution, and affidavit from member confirming financial dependency. If child is not a student nor disabled: Affidavit from member confirming financial dependency Note: If the child's surname differs from the member's, an affidavit confirming the obligation towards the child and stating the reason for the difference is required. (Sworn affidavit to be completed by member)
6	Parent, parent-in-law, grandparent or grandparent-in-law	Completed dependant section on application form, and Affidavit from member confirming financial dependency of the beneficiaries on the member. Note: Parents-in-law and Grandparents-in-law may only be registered if spouse is also registered as a beneficiary.
7	Grandchild	Completed dependant section on application form, and Proof of child support grant received by the member or the spouse, or Sworn affidavit confirming financial dependency of the grandchild on the member. (Sworn affidavit to be completed by member and biological parent, where applicable)
8	Sibling	Completed dependant section on application form, and Sworn affidavit confirming financial dependency of the sibling on the member. (Sworn affidavit to be completed by member) Note: Only the sibling of principal member may be registered as a beneficiary
9	Children of sibling	Completed dependant section on application form, and Sworn affidavit confirming financial dependency of niece/s and/or nephew on the member. (Sworn affidavit to be completed by member and sibling, where applicable) Note: Only children of sibling of principal member may be registered as a beneficiary

Why does GEMS check the eligibility of student dependants?

[back to top]
Questions about the employer subsidy ›

How does the medical aid subsidy work?

The subsidy will be calculated at 75% of the total contributions, subject to the limits contained in Resolution 1 of 2007: Revised determination on Medical Subsidy in the Department of Public Service and Administration's (DPSA) circular 1 of 2007
The no worse off clause (that a member will receive the greatest of the rand value of the subsidy on 30/06/2006 or the subsidy calculated as 75% subject to the applicable limits) only applies if the member moves from his previous scheme to GEMS with no break in membership
The subsidy will not result in a credit/refund to the member, as the subsidy is always limited to the applicable maximums, or the total contribution
GEMS does not determine the subsidy receivable (these calculations are done by the employer)
The current subsidy limits (effective 1 March 2011) are as follows: R720 for a single principal member, R1 440 for a principal member and one dependant (effectively R720 for the first dependant), For the second dependant and each dependant thereafter R440, up to a maximum of R2 760.

To determine the subsidy: Employee category subsidy structure:

Employees appointed on or after 1 July 2006

An employer subsidy will only be paid if the employee becomes a member of GEMS The subsidy will be calculated as 75% of the total contribution, subject to the following maximum employer contribution:

Member with 0 dependants	R720
Member with 1 dependants	R1 440
Member with 2 dependants	R1 880
Member with 3 dependants	R2 320
Member with 4 dependants	R2 760

Employees appointed prior to 1 July 2006 who did not receive an employer subsidy on 30 June 2006

An employer subsidy will only be paid if the employee becomes a member of GEMS The subsidy will be calculated as 75% of the total contribution, subject to the maximum employer contribution in 1 above

Employees appointed prior to 1 July 2006 who received an employer subsidy on 30 June 2006 who want to join GEMS

The subsidy will be calculated as the greatest of:

75% of the total contribution, subject to the maximum employer contribution in 1 above

The rand value of the employer subsidy received on 30 June 2006 ONLY IF there was no break in Scheme cover since 30 June 2006.

Employees on salary level 1 to 5 who join GEMS on the Sapphire option

The subsidy will be calculated as 100% of the total contribution, subject to a limit of R2 760 (irrespective of the number of dependants)

Employees appointed prior to 1 July 2006 who received an employer subsidy on 30 June 2006 who do not want to join GEMS

The subsidy currently received by the employee will continue unchanged

It is important to remember that GEMS does not have any authority in respect of the employer subsidy and does not determine the value of the subsidy or the subsidy rules. The subsidy is determined by the Minister of Public Service and Administration through the collective bargaining processes in the Public Service coordinating Bargaining Council (PSCBC).

Additional notes: The "no worse off" clause (that a member will receive the greatest of the rand value of the subsidy on 30/06/2006 or the subsidy calculated as 75% subject to the applicable limits) only applies if the member moves from his previous scheme to GEMS with no break in membership. The subsidy will not result in a credit/refund to the member, as the subsidy is always limited to the applicable maximums, or to the total contribution (member contribution and employer contribution).

[back to top]

Related Links >
Board of Trustees > Why Join GEMS? > Who May Join? > How to Join > 2012 Contribution Calculator

Enrolment Forms >

Download the enrolment pack in
easy-to-use PDF format. Click Here >

Prospective Member Enquiries >

SMS your PERSAL/PERSOL number to:
083 450 4367
join@gems.gov.za | More Contacts >

The Red Pages›

Your guide to
accessing
your
benefits

Friends of GEMS ›

Find a
healthcare
provider in
your area

Managing HIV ›

Our full support
for members
living with
HIV

Fraud Zone ›

Please be alert,
and blow the
whistle on
fraud!

Contribution
Calculator ›

Keep all your
options
open

Maternity
Programme ›

High-quality care for our
expectant
mothers

The GEMS Network ›

for affordable
benefits

My Wellness ›

Our commitment
to your
health and
wellbeing

WELCOME TO THE GEMS MEMBER ONLINE FACILITY

WELCOME TO THE IMPROVED SERVICE PROVIDER ONLINE FACILITY

WELCOME TO THE GEMS DYNAMIC MEMBER ADMINISTRATION (DMA) FACILITY

WELCOME TO THE GEMS EMPLOYERZONE ONLINE FACILITY

FAQs

Membership & Dependants ›

[back to top]
Questions about the employer subsidy ›

[back to top]

Related Links >
Board of Trustees > Why Join GEMS? > Who May Join? > How to Join > 2012 Contribution Calculator

Enrolment Forms >

Prospective Member Enquiries >

Communication Library ›

Prospective Members

Members

Healthcare Providers

HR Practitioners

Links to Related Websites

Quick Find ›

Claims...

Chronic Medicine...

FAQs...

The Red Pages›

Friends of GEMS ›

Managing HIV ›

Fraud Zone ›

Contribution
Calculator ›

Maternity
Programme ›

The GEMS Network ›

My Wellness ›

WELCOME TO THE GEMS MEMBER ONLINE FACILITY

WELCOME TO THE IMPROVED SERVICE PROVIDER ONLINE FACILITY

WELCOME TO THE GEMS DYNAMIC MEMBER ADMINISTRATION (DMA) FACILITY

WELCOME TO THE GEMS EMPLOYERZONE ONLINE FACILITY

Member Sign in

Member Sign in

Member Sign in

Post

Fax

Member Sign in

EmployerZone Sign in

EmployerZone Sign in

FAQs

Membership & Dependants ›

[back to top]Questions about the employer subsidy ›

[back to top] Related Links > Board of Trustees > Why Join GEMS? > Who May Join? > How to Join > 2012 Contribution Calculator

Related Links >

Enrolment Forms >

Prospective Member Enquiries >

Communication Library ›

Quick Find ›

The Red Pages›

Friends of GEMS ›

Managing HIV ›

Fraud Zone ›

Contribution Calculator ›

Maternity Programme ›

The GEMS Network ›

My Wellness ›

[back to top]
Questions about the employer subsidy ›

[back to top]

Related Links >
Board of Trustees > Why Join GEMS? > Who May Join? > How to Join > 2012 Contribution Calculator

Contribution
Calculator ›

Maternity
Programme ›