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  1. GEMS
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2025 Member Guide

2025 Member Guide

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2025 Chronic Medicine Guide

2025 Chronic Medicine Guide

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2025 HIV Member Guide

2025 HIV Member Guide

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Maternity Programme Guide

Maternity Programme Guide

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2025 Pensioner Guide

2025 Pensioner Guide

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Claims Statement Explained

Claims Statement Explained

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Emergency Medical Services

Emergency Medical Services

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2025 Oncology Programme Member Guide

2025 Oncology Programme Member Guide

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2025 GEMS Underwriting & Late Joiner Penalty Guide

2025 GEMS Underwriting & Late Joiner Penalty Guide

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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.

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