The Beryl option offers members comprehensive in- and out-of-hospital benefits through a network of healthcare providers, public facilities and private hospitals.
View your 2017 Beryl benefits
The GEMS Network is made up of GPs, specialists, optometrists, dentists and pharmacies who have agreed to provide excellent quality healthcare to GEMS members at Scheme rates. You will not be charged any co-payments or additional costs by healthcare providers that are on the network. A network provider will only charge a co-payment if your benefits are exhausted for the service or benefit you want to access, or if you did not follow certain Scheme rules. For example, if you did not get pre-authorisation for a hospital admission as required by the rules, you will have to pay a penalty fee even if that hospital is on the network. All GEMS Network providers will display a GEMS Network logo/sticker in their practice window or door, making it easy for you to identify them.
Make sure that your GEMS Network providers are always your first port of call. They are there to be the coordinator of your healthcare, providing you with the best quality healthcare and value for money. Click here to find a GEMS Network doctor in your area or call the GEMS Call Centre on 0860 00 4367.
Click here to see what GEMS does not pay for.
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 - R7 897||R1 011||R955||R558|
|R7 897.01 - R11 081||R1 097||R1 031||R616|
|R11 081.01 - R18 983||R1 197||R1 134||R661|
|R18 983.01 +||R1 435||R1 365||R802|
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.