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Government’s commitment to an equitable and affordable medical scheme.

Differentiation, where employees choosing more extensive cover have equal access to higher benefits subject to their needs.

Efficiency regarding the costs and delivery of benefits.

Equity where employees have equal access to the most extensive set of equal basic benefits under equitable remuneration structures, subject to affordability.

The approved framework policy centered on the principles of equity, efficiency and differentiation: The beginning of GEMS was a historic moment when in 2002, the Cabinet approved a framework policy on a restricted (closed) medical scheme for further development by an interdepartmental working group (departments of Public Service and Administration, National Treasury, Health, Education, Correctional Services and SAPS). GEMS Application Forms 2023 PDF Download Introduction of GEMS

How to Submit Completed GEMS Application Form.

GEMS Application Forms 2023 PDF Download.