Day-to-day block benefits

Extensive in and out-of-hospital cover

Top of the range benefit option

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Onyx product brochure

More about the Onyx 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.

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

Your nominated GP needs to refer you to a specialist. Remember to ask for a specialist on the GEMS specialist network. Network GPs and specialists have agreed to charge a ‘contracted rate’ so that you won’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 - R14870 R5359 R4104 R1611
R146870.01 -R31684 R5578 R4247 R1750
R31684.01 + R6022 R4629 R1953

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.