Ruby

More about the Ruby option

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. You will receive an annual PMSA statement that will reflect  all your transactions and entries made on your savings account. This statement will be sent to you when IT3(b) statements and tax certificates are issued.

There is a specific Ruby, Emerald and Onyx (REO) network that is made up of GPs, specialists and pharmacies who have agreed to charge our Scheme rate and follow our relevant managed care rules for these options.

Click here to find a GEMS network doctor in your area or call our call centre on 0860 00 4367.

We encourage you to nominate a GP on the REO GP network, who will coordinate all your medical needs. However, you won’t be penalised if you don’t nominate a GP.

Your nominated GP needs to refer you to specialists. Kindly remember to ask for a specialist on the GEMS specialist network (only applicable to. Network GPs and specialists have agreed to charge a contracted rate so that you don’t have to pay any out-of-pocket expenses for your consultations.

You need to get pre-authorisation for all hospital visits, out-patient visits to a hospital, MRI scans, CT scans or radio-isotope studies, in-hospital physiotherapy, ambulance transportation and specialised dentistry.