How much does Gems medical aid cost?

How much is a GEMS medical aid?

Emerald Value – from R1,859

The Emerald Value option is a high-level benefit option. It offers: Comprehensive in and-out-of-hospital cover at more affordable rates. Get specialist referrals from your nominated GP.

How do you qualify for GEMS medical aid?

You must nominate a GP, who must be a part of the GEMS network, as your first-line of consultation when you seek medical care. A 30% co-payment applies on all GP claims received from a non-nominated GP. You must choose a hospital from the Emerald Value hospital network for your in-hospital needs.

Is there a waiting period for GEMS medical aid?

There are two types of GEMS waiting periods: A general waiting period (GWP) of up to 3 months. A condition-specific waiting period (CSWP) of up to 12 months.

Is GEMS a good medical aid?

Bestmed (78.0) takes the lead by a significant margin on the industry par of 72.2 and well ahead of all other schemes in terms of the value index. Medihelp also takes a leader position on Perceived Value with 74.7. Bonitas (73.9) and Discovery (71.4) perform on par, while GEMS (69.4) and Momentum (69.7) are below par.

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Does GEMS pay for Covid 19 test?

“GEMS members will be serviced and should not be requested to pay for COVID-19 testing upfront. The testing of members where guidelines are not met is not considered as PMB level of care as it is regarded as not clinically appropriate.

Does GEMS have a hospital plan?

GEMS Hospital Plan – Access to Affordable Health Care

Their aim is to provide all employees in the public service with access to affordable health care benefits.

When should I change GEMS for 2022?

If your option change form is received between 1 January and 10 January 2022, your benefits will be pro-rated, as the new option will be effective from 1 February 2022 and your contributions will be adjusted accordingly. This form must reach GEMS before or on 10 January 2022, or your option will remain the same.

What does GEMS Ruby cover?

The Ruby option includes a PMSA that consists of 20% of your contribution that is allocated to a savings account held in your name. This account will pay for your out-of-hospital or day-to-day medical expenses. Once you’ve depleted your PMSA, your out-of-hospital claims will be paid from the limited block benefit.

How do I register for GEMS maternity program?

Registering on the programme

You need to complete an enrolment form and fax, email or post the completed form to 0861 00 4367, or GEMS Maternity Programme, Private Bag X782, Cape Town, 8000.

How do I claim from GEMS?

You can submit your claims by:

  1. Post: GEMS, Private Bag X782, Cape Town, 8000.
  2. Fax: 0861 00 4367.
  3. Email:; or a.
  4. GEMS walk-in centre.
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Does GEMS pay for plastic surgery?

GEMS does not pay for)

All costs for operations, medicines, treatments and procedures for cosmetic purposes (cosmetic refers to treatments or procedures that do not treat an illness), such as liposuction. Visits to specialists outside of the GEMS Network for Sapphire and Beryl beneficiaries.

Do GEMS cover bloodwork?

Pathology and radiology tests (blood tests and x-rays) must be referred by your nominated GP. These tests must be in line with the GEMS formulary (list of approved tests or services) for Beryl.

What is the difference between Ruby and emerald gems?

The first difference which comes to mind is that ruby is red in color and a emerald is green. A stone is a ruby when it is colored a certain number of ways ‘“ ranging from pure red to a bluish shade inherent in the stone. … A ruby is priced for its color while an emerald commands a premium for its color and transparency.

Who is the best medical aid in South Africa?

In the 2021 index, Bestmed emerges as the leader on overall customer satisfaction, with all other schemes performing on or below industry par. Based on the customer satisfaction ratings, Bestmed attained a score of 76.7, above the industry par score of 73.5.

Does gems Beryl pay for braces?

The benefit for orthodontic treatment is only available to GEMS beneficiaries under the age of 21 on the Ruby, Emerald, Emerald Value and Onyx options. This is a once in a lifetime benefit.