GEMS Tanzanite One 2026: price and benefits
GEMS Tanzanite One costs R1,698 a month for a member on the lowest salary band in 2026 (R1,341 per adult dependant and R731 per child), before the employer subsidy. It is an entry-level plan from the Government Employees Medical Scheme, open only to public service employees and their dependants.
Source: Government Employees Medical Scheme 2026 published contributions (GEMS website)Last reviewed
Contributions
Total monthly contribution by salary band, before the employer subsidy. The state pays 75% of it, and all of it on Tanzanite One for salary levels 1 to 5, up to a monthly cap that depends on how many dependants you have. What you pay yourself is therefore usually well below these figures.
| Monthly salary | Member | Adult | Child |
|---|---|---|---|
| Under R11,462 | R1,698 | R1,341 | R731 |
| R11,462 to under R16,084 | R1,779 | R1,425 | R788 |
| R16,084 to under R27,554 | R2,203 | R2,061 | R1,060 |
| R27,554 and above | R2,881 | R2,881 | R1,635 |
Child dependants: up to 3 are charged, and a child must be under 21. Adult dependants are charged the adult rate.
In-hospital
- Restriction: 2026: in-hospital cover restricted to PMBs only
- GEMS network hospitals only
- Restriction: 30% co-payment for voluntary non-network admission
- Emergency admissions covered regardless of hospital
Day-to-day
- 8 GP consultations/year before pre-authorisation required
- Limited outpatient specialist visits (with referral)
- Basic pathology and radiology (sub-limits apply)
Chronic conditions
- All 27 Prescribed Minimum Benefit (PMB) conditions
- 3 additional conditions: Anxiety, ADHD, Depression
- Via GEMS Chronic Disease Benefit Programme (CDBP)
Dental
- Root canal: 1 per beneficiary/year (network dentist only)
- Plastic dentures every 4 years (21+ only)
- No metal frame dentures. No orthodontics.
Optical
- Basic optical benefit — frames and lenses (sub-limits)
Maternity
- Partial cover: GEMS Maternity Programme: antenatal visits + postnatal
Wellness & extras
- Partial cover: G-Health screening (BMI, BP, cholesterol, glucose, HIV)
- Partial cover: Flu vaccination benefit
- GEMS Member App + 24/7 emergency line 0860 00 4367
FAIS Disclaimer
This tool is for educational and informational purposes only. It does not constitute financial advice. Consult a registered financial adviser (FSP) before making any medical aid decision. Contributions shown are current-year (2026) figures from official scheme sources.
Compare GEMS Tanzanite One with
Similar 2026 plans in the same category, closest in price first.
Frequently Asked Questions
Before the employer subsidy, GEMS Tanzanite One costs R1,698 for a member on salaries under R11,462; R1,779 for a member on salaries from R11,462 to under R16,084; R2,203 for a member on salaries from R16,084 to under R27,554; R2,881 for a member on salaries of R27,554 and above. Adult dependants and children are charged at the rates on the plan page for the same band.
The state pays 75% of it, and all of it on Tanzanite One for salary levels 1 to 5, up to a monthly cap that depends on how many dependants you have. Use the GEMS calculator to see your own figure for your salary level and family size.
GEMS network only. 2026: in-hospital cover restricted to PMBs only. GEMS network hospitals only. 30% co-payment for voluntary non-network admission. Emergency admissions covered regardless of hospital.