You can get an application for membership form by:
Make sure that you complete all the sections in full and include all necessary documents as specified on the form. If we do not receive all the necessary documentation, we are unable to register you as a member of GEMS and you will not be able to access our excellent healthcare benefits.
Supporting documents that must be submitted:
Send us the completed form and supporting documents in any of the following ways:
An Affidavit is available, at a GEMS Walk-in Centre or you can ask for them by calling us on 0860 00 4367.
Husband or wife
Ex-husband or ex-wife
Children (biological, adopted, step or foster) under the age of 21
Children (biological, adopted, step or foster) over the age of 21
Very important to note: In this instance, you will pay adult rates for this dependant.
Parents, parents-in-law, grandparents and grandparents-in-law
Grandchildren and great-grandchildren
Siblings (brothers or sisters), half-siblings, step-siblings and siblings in-law
Nephews and nieces (including in-laws)
Special dependants (where the member is liable for family care and support)
You must send a completed newborn registration form and a certified copy of the birth certificate to the Scheme within 60 days from the birth of your child so that he/she can be registered as a dependant on the Scheme from the date of birth. You will also need to provide the final letter of adoption if your child is adopted. We will then also cover medical expenses related to the newborn's birth. If your newborn's surname is different from yours, you must provide the Scheme with an affidavit confirming that the child is yours.
Contributions for your child will be due from the first day of the month after the month in which he/she was born or adopted if you register your child within 60 days from the birth date.
Every year, the Scheme reviews whether dependants still qualify to receive benefits according to the Scheme Rules. This means that each year, main members must give us proof of financial dependency for all dependants over the age of 21. Disabled dependants and dependants (parents, parents in-law, partners) who are over 65 years (pensioners) only need to give supporting documents to the Scheme once.
The implementation of Rule 4.9.5 allows for students studying short courses at any time during the year, to be registered at the child rate. Previously you could only register your dependant for child rates if he/she studied as a full-time student. The implementation of Rule 4.9.5 means eligibility reviews will be conducted throughout the year, triggered by students' study completion dates.
The new short course rule allows a Principal Member to pay a child rate for a dependant for the duration of his/her registration on a short course. The child rate will revert back to an adult rate after the completion date of the short course. For example, in the event of a student studying a three month diploma course at an educational institution, the Principal Member will be required to pay a child rate during the three month course period and will be required to pay an adult rate thereafter.
The table below gives more details about students qualifying to be dependants:
Rates to be paid
Under 21 years old
You pay child rates
21 years and older, but under 28 years
You pay child rates as long as you have handed in proof that the student is studying at a recognised educational institution.
You also need to provide a sworn affidavit stating financial dependency (Not older than three months).
Note: If the dependant is not a student, but is financially dependent on the main member, they may continue as a dependant at adult contribution rates, if all relevant documents are submitted.
Documents must be provided before the end of March every year for full time students.
Students studying short courses must provide proof of study at the time they register.
Please note that students studying abroad may be dependants while studying, but cannot claim for benefits while abroad as they are considered to not be ordinarily residing in South Africa. According to rule 6.2 "The membership of the Scheme is limited to those Members and their Dependants who are ordinarily resident within the Republic of South Africa, or who are stationed abroad on or by virtue of instructions, requirements or obligations of the Member's Employer, or who are studying abroad".
We need to receive all required documentation and supporting documents as requested on the eligibility review letters, so that your dependant can continue to receive benefits at child dependant rates.
If documents for a newborn are provided late, the dependant will not be covered by the Scheme from the date of birth. This means you will have to pay the hospital costs of the newborn out of your own pocket.
Underwriting refers to the application of waiting periods before a member can claim. Medical or health information is used to determine whether waiting periods are applied when a member joins a medical scheme. The underwriting of members joining a medical scheme is allowed by law and is within the GEMS Rules.
The Scheme will impose a three-month general and/or twelve-month condition-specific waiting period from 1 October 2016 on the following member categories:
If after joining GEMS you need to cancel your membership, you may do so provided that you cancel within 30 days from the date of joining, and only if you have not made any claims from your healthcare benefits.
Download the enrolment pack in
easy-to-use PDF format. Click Here >