 
        2018 GEMS rules
These are the rules of the Scheme as registered with the Council for Medical Schemes (CMS). In an event of a dispute, the registered rules will apply.
Table of Contents  
Main Body Scheme Rules
Annexure A   
Annexure B   
Annexure C - Sapphire   
Annexure C - Beryl  
Annexure C - Ruby  
Annexure C - Emerald   
Annexure C - Emerald Value   
Annexure C - Onyx  
Annexure D - Additional chronic disease list  
Annexure E - Exclusions and limitations   
Annexure F - Personal Medical Savings Accounts   
Annexure G - Prescribed minimum benefits  
 
                    At GEMS we believe that every one of our members matter. That is why we have prepared the member newsletter to focus on your specific needs.