GEMS Plans & Subsidy Calculator

Compare all six Government Employees Medical Scheme plans for 2026. Set your salary level and family size to see your real out-of-pocket cost after the employer subsidy.

2026 changes to know: Tanzanite One hospital cover is now PMBs only · Ruby has a new R1,000 co-payment for GI scopes · Beryl advanced radiology capped at R15,183/family · Subsidy increase delayed to February 2026

GEMS is available only to South African public service employees and their dependants.

Salary level

Gross monthly salary

Family size

Adults includes you, the main member. Add adult and child dependants.

Adults

Children

Family size: 1·Dependants: 0·DPSA cap: R2 014/mo·Subsidy rate: 100% on Tanzanite One, 75% on all others

Tanzanite One100% rate

Entry level

You pay

R0/moFree

EmployerR1 698

TotalR1 698

You 0% · employer 100%

Beryl75% rate

Entry level

You pay

R479/mo

EmployerR1 436

TotalR1 915

You 25% · employer 75%

Ruby75% rate

Mid level

You pay

R1 946/mo

Employer⚠ cappedR2 014

TotalR3 960

You 49% · employer 51%

Emerald Value75% rate

High level

You pay

R1 691/mo

Employer⚠ cappedR2 014

TotalR3 705

You 46% · employer 54%

Emerald75% rate

High level

You pay

R2 411/mo

Employer⚠ cappedR2 014

TotalR4 425

You 54% · employer 46%

Onyx75% rate

High level

You pay

R5 659/mo

Employer⚠ cappedR2 014

TotalR7 673

You 74% · employer 26%

Subsidy estimates: Amounts shown are based on the 2026 DPSA Appendix 1 limits and assume in-service employment. Your actual deduction depends on your salary level, department, and employment terms. Confirm with your department HR office.

Benefits: Summarised from GEMS 2026 member guides. Confirm full terms, limits, and exclusions with GEMS (0860 00 4367) before making any decision.

Educational comparison only — not financial advice.