Comprehensive in-and-out-of-hospital cover

Day-to-day block benefits

Healthcare provider of your choice

View Network Hospitals View Network Doctors

More about the Emerald option

There is a specific Ruby, Emerald and Onyx (REO) network that consists of GPs, specialists and pharmacies who have an agreement with GEMS to charge the Scheme rate and follow the relevant managed care rules for these options.

Click here to find a GEMS network doctor in your area or call 0860 00 4367.


We encourage our members to nominate a GP on the REO GP network  to consult for all your healthcare needs. However, you won’t be penalised you if you don’t nominate a GP.

Your nominated GP needs authorisation from GEMS before they  refer you to a specialist. Remember to ask for a specialist on the GEMS specialist network (only applicable to the paediatricians, obstetricians and gynaecologists).

Network GPs and specialists have agreed to charge a ‘contracted rate’ so that you don’t have to pay any out-of-pocket expenses for your consultations. 


You need to get pre-authorisation for all your hospital visits, out-patient visits to a hospital, MRI scans, CT scans or radio-isotope studies, in-hospital physiotherapy, ambulance transportation and specialised dentistry.

How much does it cost?

Salary band Principal Member Additional adult member Additional child member
R0 - R15821 R3554 R2707 R1319
R15821.01 - R27324 R3933 R3041 R1478
R27324.01 + R4410 R3381 R1649

Calculate my contributions

Who would you like to cover?

Adult Dependants
Child Dependants
Child Dependants

Are you on total cost to company?

Qualifying Public Service employees could enjoy up to 100% subsidy from their employer.

Download our member app

Use the QR Code to download the GEMS Member App. Or get it from Google play or App Store.