As of 2023, the cheapest plan available from the Government Employees Medical Scheme (GEMS) is Tanzanite One, with a price of 882 South African rand (approximately 46 U.S. dollars), which is payable on a monthly basis. The Onyx plan is the most extensive and most expensive plan, with monthly contributions set at 4,875 South African rand (around 256 U.S. dollars). GEMS is the largest restricted scheme and the second leading medical aid in South Africa.
GEMS medical scheme contributions in South Africa in 2023. by plan
(in South African rand)
* GEMS stands for the Government Employees Medical Scheme and is the largest restricted medical scheme in South Africa
Restricted medical schemes are only available to people who work in specific industries, have certain academic qualifications, are employees of a certain company or belong to certain professional associations in South Africa.
The cheapest plan (Tanzanite One) covers all in-hospital benefits for both public and private hospitals which are listed of the GEMS network. The Onyx option covers additions out of hospital benefits which are not listed on the GEMS network.
South African medical schemes are non-profit trusts that their members own. The contributions made by the members are put together and used to pay pertinent medical costs where necessary while keeping a legislated surplus (at least a 25 percent solvency ratio) to prevent the scheme from collapsing. Some medical plans have an option for saving, which creates a collective savings from a member’s monthly payments for personal use.
Medical aid schemes are required by law to cover a set list of chronic illnesses, namely the Prescribed Minimum Benefits (PMB).This safeguards all medical scheme members so that they have access to the minimum amount of health services, regardless of which benefit option they have chosen. Furthermore, medical schemes are allowed to have different product plans, which often target specific demographics. For example: specialized benefits, annual limits, day-to-day coverage, family cover, and networked doctors and hospitals all differ across the various plans, both internally and from company to company.
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Government Employees Medical Scheme. (September 14, 2023). GEMS medical scheme contributions in South Africa in 2023. by plan (in South African rand) [Graph]. In Statista. Retrieved December 09, 2024, from https://www.statista.com/statistics/1413305/gems-medical-scheme-plans-and-contributions-in-south-africa/
Government Employees Medical Scheme. "GEMS medical scheme contributions in South Africa in 2023. by plan (in South African rand)." Chart. September 14, 2023. Statista. Accessed December 09, 2024. https://www.statista.com/statistics/1413305/gems-medical-scheme-plans-and-contributions-in-south-africa/
Government Employees Medical Scheme. (2023). GEMS medical scheme contributions in South Africa in 2023. by plan (in South African rand). Statista. Statista Inc.. Accessed: December 09, 2024. https://www.statista.com/statistics/1413305/gems-medical-scheme-plans-and-contributions-in-south-africa/
Government Employees Medical Scheme. "Gems Medical Scheme Contributions in South Africa in 2023. by Plan (in South African Rand)." Statista, Statista Inc., 14 Sep 2023, https://www.statista.com/statistics/1413305/gems-medical-scheme-plans-and-contributions-in-south-africa/
Government Employees Medical Scheme, GEMS medical scheme contributions in South Africa in 2023. by plan (in South African rand) Statista, https://www.statista.com/statistics/1413305/gems-medical-scheme-plans-and-contributions-in-south-africa/ (last visited December 09, 2024)
GEMS medical scheme contributions in South Africa in 2023. by plan (in South African rand) [Graph], Government Employees Medical Scheme, September 14, 2023. [Online]. Available: https://www.statista.com/statistics/1413305/gems-medical-scheme-plans-and-contributions-in-south-africa/