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Cost of membership

CONTRIBUTION TABLES

Contributions (how much you pay each month to be a member of GEMS) As always, GEMS aims to bring you the best possible healthcare benefits to suit your needs. Offering you more choices is what our commitment to you is all about.

The contributions in the table below do not include employer subsidies. In some cases, you might qualify for a subsidy from your employer. A subsidy is an amount your employer pays towards the cost of being covered by GEMS. If you qualify for a subsidy, the employer will pay a portion of the contribution each month and you will pay the rest. You must find out about the subsidy from your employer.

If you have any questions about your subsidy, you should discuss them with your Human Resources (HR) Department. A useful contribution calculator at www.gems.gov.za will help you to work out your monthly contributions, if you are employed in the public service.

SAPPHIRE

Salary band 

Member 

Adult 

Child 

 

R0-R7 897

 

R877

R657

R371

 

R7 897.01-R11 081

R919

R697

R400

 

R11 081.01-R18 983

R976

R733

R424
 R18 893.01 + R1 086R871R511

BERYL 

Salary band 

Member 

Adult 

Child 

 

R0-R7 897.01

R1 011

R955

R558

 

R7 897.01-R11 081

R1 097

R1 031

R616

 

R11 081-R18 983

R1 197

R1 134

R661

 

R18 983.01 +

R1 435

R1 365

R802

RUBY

Salary band

Member

Adult

Child

 

R0-R11 892

R2 060

R1 475

R790

 

R11 892.01-R20 538

R2 295

R1 645 

R885

 

R20 538.01 +

R2 550

R1 825

R980

EMERALD 

Salary band 

Member 

Adult 

Child 

 

R0-R11 892

R2 295

R1 664

R841

 

R11 892.01-R20 538

R2 541

R1 869

R943

 

R20 538.01 +

R2 848

R2 078

R1 051

EMERALD  VALUESalary bandMemberAdult Child 
 R0-R11 892R2 066R1 498R757
 R11 892.01-R20 538 R2 287R1 682R849
 R20 538.01 + R2 563R1 870R946

ONYX

Salary band 

Member 

Adult 

Child 

 

R0-R11 892 

R3 729

R2 721

R1 108

 

R11 892.01-R25 339

R3 880

R2 816

R1 203

 

R25 339.01 +

R4 190

R3 069

R1 342

Note:
Salary column:  This reflects the monthly salary amount before tax or other benefits are deducted.
Member column:  This column shows how much the principal member, who is the public service employee registered with GEMS, has to pay.
Adult column: This column shows how much you have to pay for your adult dependants.
Child column:  This column shows how much you have to pay for a child dependant. GEMS covers children up to the age of 21, unless the child is mentally or physically disabled or is below 28 years of age and is a full-time student registered at a recognized educational institution.

 



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