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GEMS (GOVERNMENT EMPLOYEES MEDICAL SCHEME)

Sustainable medical administration provides a wide range of gapcover products to compliment your existing medical aid plan. Not only are these products cost effective, but when chosen correctly, will assist you in eliminating in-hospital shortfalls. Please click here to view the products available.

BERYL

  • Specialist rate in-hospital – 100% of Scheme rate
  • Internal prosthesis limit – R21 011.00 per family per annum

EMERALD

  • Specialist rate in-hospital – 100% of Scheme rate
  • Internal prosthesis limit – R47 250 per family over a two calendar year cycle (phased out)*

ONYX

  • Specialist rate in-hospital – 100% of Scheme rate
  • Internal prosthesis limit – R60 900 per family over a two calendar year cycle (phased out)*

RUBY

  • Specialist rate in-hospital – 100% of Scheme rate
  • Internal prosthesis limit – R47 250 per family over a two calendar year cycle (phased out)*

SAPPHIRE

  • Specialist rate in-hospital – 100% of Scheme rate
  • Internal prosthesis limit – Limited to PMBs. R16002.00 per family per annum and subject to annual hospital limit.


For more information about the Stratum GAP cover products or to signup please download the following PDF documents: (1) Application Form (2) More Information