Scheme Rules

2019 Scheme 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. These rules are effective from 1 January 2019.

GEMS Rules - Main body
Annexure A  - Participating employers
Annexure B  - Contributions and late joiner penalties  
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 G - Prescribed minimum benefits



2018 scheme rules