Why join GEMS

The GEMS Way

With GEMS, your health is taken care of – so that you have time to focus on what is important to you and your family. This year is no different!


  • With the goal of universal health coverage in mind, our 2019 benefit enhancements place greater focus on vulnerable groups – children, women and the elderly.
  • GEMS provides greater access to quality healthcare through a wide array of networks.
  • Because of our wide beneficiary definition, you can care for more of your family members.


  • Our growing reserve ratio provides security for you and your family.
  • Lowest contribution increases keep us affordable. At 4.3%, the Emerald Value option (EVO) has experienced the lowest contribution increase for 2019.
  • Members moving from the Emerald option to EVO will experience a discount of over 16% on contributions before subsidy.

Richer benefits:

  • GEMS has invested over three quarters of a billion rands in benefit enhancements for our members.
  • Currently 18% of our members run out of benefits by the end of the benefit year, a very low percentage when compared to other schemes. We expect the 2019 benefit enhancements to decrease this number to 10% in the coming year.
  • GEMS has better and richer benefits – our low-cost option Sapphire is richer in benefits than other similar
    priced products in the market.

Read our 2019 Marketing brochure find out more about what GEMS has to offer.