2018 GEMS rules
These are the rules of the Scheme as registered with the Council for Medical Schemes (CMS). In an event of a dispute, the registered rules will apply.
Table of Contents
Main Body Scheme Rules
Annexure A
Annexure B
Annexure C - Sapphire
Annexure C - Beryl
Annexure C - Ruby
Annexure C - Emerald
Annexure C - Emerald Value
Annexure C - Onyx
Annexure D - Additional chronic disease list
Annexure E - Exclusions and limitations
Annexure F - Personal Medical Savings Accounts
Annexure G - Prescribed minimum benefits
At GEMS we believe that every one of our members matter. That is why we have prepared the member newsletter to focus on your specific needs.