Why join GEMS

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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!


  • 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 7.19%, the Emerald Value option (EVO) has experienced the lowest contribution increase for 2020.
  • Members moving from the Emerald option to EVO will experience a discount of over 14% on contributions before subsidy.

Richer benefits:

  • GEMS has invested over a billion rands in benefit enhancements for our members.
  • GEMS has better and richer benefits – our low-cost option Tanzanite One is richer in benefits than other similar
    priced products in the market.

Read our 2020 Marketing brochure find out more about what GEMS has to offer.