Emerald Value

Comprehensive in and-out-of-hospital cover at a more affordable rates

Get specialist referrals from your nominated GP

Nominate a GP to coordinate your healthcare needs

View Network Hospitals View Network Doctors
Emerald Value product brochure

More about the Emerald Value option

You must nominate a GP, who must be a part of the GEMS network, as your first-line of consultation when you seek medical care.

A 30% co-payment applies  on all GP claims received from a non-nominated GP.

You must choose a hospital from the Emerald Value hospital network for your in-hospital needs.


If you visit a non-network hospital (i.e. not included in our network hospitals on the Emerald Value Option) you have to make a co-payment of up to R12 000.

This co-payment will be waived in cases of a medical emergency, but once the patient has been stabilised, the Scheme may require that the patient be transferred to a network hospital.

Members and dependants are still required to obtain authorisation to be admitted to a network hospital.

If you’re admitted into a network facility and the authorisation is not obtained (as per the Scheme rules), a late authorisation penalty of R 1 000 will be applied.


Specialist referrals must be obtained from your nominated GP for all specialist treatments and consultations.

We’ve made a provision to give our members the medical care they require if they’re travelling or need specialised care that isn’t available through their nominated healthcare providers.

As part of this provision,  members are allocated three visits to a non-nominated GP per family (annually) for emergencies only i.e. cases where you can’t get access to your nominated GP. 


Please note: Access to this benefit is not automatic. You need to contact us by calling  our call centre on 0860 00 4367 or sending an email to enquiries@gems.gov.za to ensure that you don’t incur a 30% co-payment for such visits.

How much does it cost?

Salary band Principal Member Additional adult member Additional child member
0 - R15821 R2975 R2273 R1106
R15821.01 - R27324 R3293 R2552 R1241
R27324.01 + R3689 R2836 R1382

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.