Contribution Calculator

*Annual contribution increase will vary depending on number of dependants, salary level and option selected.
**Subsidy subject to the Minister for Public Service and Administration’s approval on the Determination on Medical Assistance for the 2020 year.

The following are deemed as adult dependants:
A spouse or partner
A child over the age of 21 who is not a full time student, financially and otherwise dependant on the principal member;
An immediate family member for whom the principal member is liable for family care and support.

The following are deemed as child dependants:
A principal member's natural or legally adopted child who is under the age of 21.
A child as described above, but of any age, who is mentally or physically handicapped.
A child as described above, but who is between the ages of 21 and 27 and registered as a full time student at a registered tertiary institution.

The total contribution is based on the family size and income band information you provided in Step 2 above.
The employer contribution is calculated as 75% of the total contribution payable, subject to the applicable limits.
Please note that the employer subsidy values are applicable from 1 March 2011.
Please contact your HR Office to confirm the subsidy receivable by you, or to ensure its tax efficiency, where applicable.

If you are on Salary Levels 1, 2, 3, 4 or 5, and you elect to be on the Sapphire option, you may qualify for a 100% subsidy, subject to the applicable limits. Please call the GEMS Call Centre at 0860004367 to determine if you qualify. To determine what your employer subsidy would be on any other option, select any of the above profiles and follow the steps.

Year:

How many members do you need cover for? (excluding main member)

Adults

Children

What is your monthly income?

Choose an option

I am a new employee with an appointment date on or after 1 July 2006 or an existing employee who did not receive an employer subsidy as at 30 June 2006.
I am an employee who is a principal member of another medical scheme and receive an employer subsidy on 30 June 2006 without a break in cover since then.

Total monthly contribution OR employee contribution
as at 30 June 2006

I am an employee that is paid a total cost to company package and therefore ineligible to receive a subsidy.