{"id":846411,"date":"2025-12-12T16:01:09","date_gmt":"2025-12-12T14:01:09","guid":{"rendered":"https:\/\/businesstech.co.za\/news\/?p=846411"},"modified":"2025-12-15T10:06:49","modified_gmt":"2025-12-15T08:06:49","slug":"gems-your-health-your-future-medical-cover-built-for-public-service-employees","status":"publish","type":"post","link":"https:\/\/businesstech.co.za\/news\/industry-news\/846411\/gems-your-health-your-future-medical-cover-built-for-public-service-employees\/","title":{"rendered":"GEMS: Your health, your future \u2013 Medical cover built for public service employees"},"content":{"rendered":"\n<p>GEMS continues to provide public service employees with medical cover options that meet their diverse healthcare needs.<\/p>\n\n\n\n<p>The scheme\u2019s structured benefit options ensure that every member can access high-quality care at a contribution level that suits their budget.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.gems.gov.za?utm_source=BusinessTech&amp;utm_medium=Sponsored+Article&amp;utm_term=December+2025\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Learn how GEMS can meet your healthcare needs with an affordable benefit option.<\/strong><\/a><\/li>\n<\/ul>\n\n\n\n<p>GEMS is able to offer medical cover that is *23% cheaper than its key competitors \u2013 even after the recent 9.8% contribution adjustment for 2026.<\/p>\n\n\n\n<p>The Scheme makes it easy and convenient for its members to access the quality healthcare support they need through its face-to-face member services, available nationwide, at the comfort of their workplace or at Walk-In-Centres.<\/p>\n\n\n\n<p>Whether you live in the deep rural areas to major cities. GEMS has a network healthcare partner ready to cater for your healthcare needs. This is healthcare that truly reaches every corner of South Africa.<\/p>\n\n\n\n<p>The success of GEMS is underpinned by comprehensive benefit options that start with the Tanzanite One and reaches up to the top Onyx option.<\/p>\n\n\n\n<p>These options are tailored to meet the needs of a wide range of members\u2013 from those who only require entry level care, to those who require high level coverage.<\/p>\n\n\n\n<p>\u201cChoosing GEMS means choosing a trusted partner in your healthcare journey and financial peace of mind.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Calculated price adjustment<\/h2>\n\n\n\n<p>While GEMS recently announced a 9.8% price adjustment for 2026, this was a carefully considered figure.<\/p>\n\n\n\n<p>\u201cWithout this adjustment, we cannot fulfil our promise to members &#8211; to maintain our superior basket of benefits, ensure provider payments remain market competitive, and protect the Scheme\u2019s financial reserves, thereby securing world-class healthcare for all public servants in the long term,\u201d said GEMS.<\/p>\n\n\n\n<p>This superior affordability is attributed to two key strategic advantages: a prolonged 18-year record of robust, clean governance and its distinctive status as a restricted scheme.<\/p>\n\n\n\n<p>For several years, GEMS deliberately used its reserves to shield members from steep contribution increases, resulting in more than R10 billion in direct savings.<\/p>\n\n\n\n<p>This approach consistently kept contributions well below the rate of healthcare inflation, even as utilisation and treatment costs rose across the industry.<\/p>\n\n\n\n<p>With reserves now stabilising at regulatory minimum levels, the Scheme must responsibly realign contributions to safeguard its ability to pay claims and ensure long-term sustainability.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.gems.gov.za?utm_source=BusinessTech&amp;utm_medium=Sponsored+Article&amp;utm_term=December+2025\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Learn how GEMS can meet your healthcare needs with an affordable benefit option.<\/strong><\/a><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>GEMS member contributions remain among the most affordable in the sector because of the low starting base.<\/p>\n","protected":false},"author":57,"featured_media":846428,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10459],"tags":[12448],"class_list":["post-846411","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-industry-news","tag-gems"],"_links":{"self":[{"href":"https:\/\/businesstech.co.za\/news\/wp-json\/wp\/v2\/posts\/846411","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/businesstech.co.za\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/businesstech.co.za\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/businesstech.co.za\/news\/wp-json\/wp\/v2\/users\/57"}],"replies":[{"embeddable":true,"href":"https:\/\/businesstech.co.za\/news\/wp-json\/wp\/v2\/comments?post=846411"}],"version-history":[{"count":3,"href":"https:\/\/businesstech.co.za\/news\/wp-json\/wp\/v2\/posts\/846411\/revisions"}],"predecessor-version":[{"id":846431,"href":"https:\/\/businesstech.co.za\/news\/wp-json\/wp\/v2\/posts\/846411\/revisions\/846431"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/businesstech.co.za\/news\/wp-json\/wp\/v2\/media\/846428"}],"wp:attachment":[{"href":"https:\/\/businesstech.co.za\/news\/wp-json\/wp\/v2\/media?parent=846411"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/businesstech.co.za\/news\/wp-json\/wp\/v2\/categories?post=846411"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/businesstech.co.za\/news\/wp-json\/wp\/v2\/tags?post=846411"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}