Quick Guide to Becoming

a Member of GEMS
1. Read the application guide carefully, as it contains important information that will assist you in completing the application form correctly.

2. Complete the application form overleaf and ensure that you have included all relevant documentation as well as your signature where required.

3. Submit the form and supplementary documentation to GEMS in any of the following manners: Fax: 0861 00 4367 Email: enquiries@gems.gov.za Regional offices: Refer to the application guide for more detail Postal address: GEMS, Private Bag X782, Cape Town 8000

4. If your application is successful, GEMS will post a welcome pack to you within 7 days of receipt of your application.

5. Your application will be delayed if you do not provide GEMS with all the required documentation.

6. If your application could not be processed, GEMS will contact you within 5 days of receipt of your application.

Please contact our Call Centre on 0860 00 4367 or email enquiries@gems.gov.za if you require any further assistance with the completion of your application form.

Application
for Membership
PLEASE REFER to tHE APPLiCAtion GUiDE to ASSiSt YoU WitH tHE CoMPLEtion oF tHiS FoRM. Do not REtURn tHiS GUiDE WitH YoUR CoMPLEtED APPLiCAtion FoRM.

PLEASE CoMPLEtE ALL tHE APPLiCABLE SECtionS CAREFULLY AnD in FULL.

Ensure that you provide all necessary supplementary documentation. Submit the completed application form to GEMS in any of the following manners: Via fax to 0861 00 4367, or Via email to enquiries@gems.gov.za, or Via regional offices, or Postal address: GEMS, Private Bag X782, Cape Town 8000

SECtion A: MEMBER DEtAiLS

Persal/employee/pension no Surname Full first name Initials ID number Title (Mr, Mrs, Ms, or other) Employer (on payslip)

nnnnnnnnnnnnn or Passport number nnnnnnnnnnnnn Date of birth nnnnnnnn Nationality D D M M Y Y Y Y Gender n M n F Income tax number nnnnnnnnnn Marital status n Married n Single n Divorced n Widow/er n Co-habiting
Postal address

Code Residential address

Code Tel no (H) ( ) Cell phone Email (W) ( ) Fax no ( )

FoR oFFiCE USE onLY

Name and surname

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SECtion B: DEtAiLS oF DEPEnDAnt/S

Please refer to Section B of the application guide in order to ensure that those persons you wish to nominate as your dependant/s qualify as such. We cannot process your form if iD details are not provided. it is therefore compulsory to complete this section in full.
Surname Full first name Gender Date of birth iD or passport number Basic Country Relationship income (if of issue applicable)

SECtion C: BEnEFit oPtion

Please select ONLY ONE BENEFIT OPTION from the list below and mark the applicable block with an X.

n Sapphire

n Beryl

n Ruby

n Emerald

n Onyx

All claim refunds are made at the Scheme rate and in accordance with the Scheme rules.

SECtion D: JoininG DAtE

nnnnnnnn D D M M Y Y Y Y Please indicate the date on which you would prefer to join GEMS nnnnnnnn
Please indicate the date on which you started at your current employer D D M M Y Y Y Y

SECtion E: inCoME CAtEGoRY

Employed applicants Please indicate your basic monthly salary. If you are at middle or senior management level, please indicate your gross monthly package. (Include latest payslip or letter of appointment if you are a new employee.) Pensioner applicants Please indicate your basic monthly pension. Monthly income R

Name and surname

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SECtion F: PREVioUS MEDiCAL SCHEME MEMBERSHiP

n Yes n No If yes, are you the principal member or a dependant? n Member n Dependant
Are you a member or dependant of a registered medical scheme? If you are a member/dependant of another scheme, please attach your certificate of membership from your previous medical scheme that confirms the end date (membership cards are not sufficient). You must ensure that your membership on your current medical scheme is cancelled before being covered by GEMS. Name of previous medical scheme Member number Period of membership From D D M M Y Y Y Y

nnnnnnnn

To D D M M Y Y Y Y

nnnnnnnn

SECtion G: MEtHoD oF PAYMEnt

Active employees monthly contributions are deducted automatically from their salaries where applicable. Pensioner members, please select only one payment method from the list below: I will be paying my monthly contributions in the following manner

n Debit order n Cash

If you choose to pay via debit order you need to complete Section H: Member banking details below. If you choose to pay cash, please use the following banking details when depositing your contribution: Bank: FNB Branch Code: 204109 Account Name: Government Employees Medical Scheme Account Number: 62094049593 Reference: Member number

SECtion H: MEMBER BAnkinG DEtAiLS

Bank account details required for the direct crediting of member refunds and the direct debiting of amounts due by me to the Scheme. We cannot process any refunds due to you should we not have your banking details on record. Bank account number Name of bank Branch name Type of account Branch code Name of account holder

n Current n Savings n Transmission nnnnnnnn

Full name

Date of signature D D M M Y Y Y Y

Authorised signature

Name and surname

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SECtion i: ConSEnt
Being duly authorised, my dependant/s and I hereby authorise the medical practitioner and/or staff member of the hospital in whose care I am/my dependants are or my healthcare provider or any other person in possession of any information concerning my health or that of any of my dependants to supply: i. Any information that GEMS, its agents and/or contracted third parties need in order to settle any claim submitted by me or my dependant/s to GEMS and/or its agents; ii. GEMS and/or its agents case manager with any information the case manager needs in order to manage services rendered to me or my dependant/s; iii. The healthcare management with any information, on an anonymous basis, that is required for administrative and statistical purposes, provided such information shall be treated as confidential at all times. it is important to give GEMS and/or its agents your consent to negotiate with your doctor/s, hospital or any other healthcare provider in order to ensure that you receive optimal care, that is cost effective.

Signature of Principal Member

Date D D M M Y Y Y Y

nnnnnnnn

SECtion J: DECLARAtion
I declare that: The content of this form is true, correct and complete. Should there be any non-disclosure or material misrepresentation, I understand that my membership may be terminated and I may be required to refund the Scheme, any sum which, for my abuse of the benefits or privileges of the Scheme, would not have been disbursed on my behalf, subject to appeal procedures. I have made my option choice and I have satisfied myself with the benefit structure and contributions under this option. I agree to familiarise myself with the rules of the Scheme. My beneficiaries, with the exception of my spouse/partner, are fully or partially dependent on me and to the extent that they are partially dependent on me do not receive an annual income more than the maximum social pension amount applicable or they are not permanently employed at the date of signing this form. I am aware that GEMS may impose general and/or condition-specific waiting periods, as provided for in the Medical Schemes Act (131 of 1998). I understand that my personal details and medical information (obtained from healthcare providers with my explicit consent) shall be kept confidential. I am aware that my and my dependants confidential health and personal information may be used for research, statistical data, managed care and reporting purposes and any deviation from this constitutes a breach of confidentiality. I understand that in the event that GEMS wishes to use my or my dependants confidential information for purposes other than those outlined in this declaration, GEMS is required to obtain further consent from me and my dependants. I understand that my personal and health related information will not be used for purposes of related business nor sold for commercial purposes. I understand that GEMS has granted access to certain persons within the organisation and its contracted third parties to members personal and health related information. I understand that GEMS and its contracted third parties will use the medical/health/diagnosis/procedure information provided for the following purposes: processing the application for membership, re-imbursement of claims, determining member entitlement to benefits and risk management practice. Name and surname
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SECtion J: DECLARAtion ContinUED

I understand that GEMS has entered into confidentiality agreements with all contracted third parties who have access to beneficiary information for the purposes of data transfer and management, scheme administration and managed care arrangements. I understand that all staff within GEMS and its contracted third parties are bound by internal confidentiality agreements. I understand that GEMS will ensure that adequate data security measures are in place. I understand that in the event of a breach in confidentiality, GEMS assumes responsibility and the breach will be managed according to GEMSs internal protocols. I undertake to submit myself and my dependant/s to the GEMS rules and protocols. I herewith irrevocably authorise GEMS to implement the payment of monthly contributions with immediate effect from my joining date. I, as a member of GEMS, am liable for payment of monthly contributions to GEMS. I herewith irrevocably authorise my employer/GEMS to recover from my salary/bank account any amount I may legally owe GEMS and to pay over to GEMS or its agents all amounts thus recovered. I acknowledge that I am aware that GEMS may institute debt management activities, as provided for in the rules of the Scheme, against me in the event that I default on the payment of contributions or any other amounts due to GEMS. Neither I nor any of my dependants are beneficiaries of another registered medical scheme. I will inform the Scheme of any changes in my dependants health or personal status, as required by the rules of the Scheme, within 30 days of the change in circumstances. I will notify GEMS at least 48 hours before a non-emergency hospital admission. I acknowledge that failure to do so will result in a co-payment by myself. I acknowledge that GEMS or its agents will only make claims payments that it deems to be valid and in accordance with the Scheme rules. Rules shall at all times remain in effect and I accept that letters, newsletters and booklets do not replace the Scheme rules. I agree that all conversations between me and the Scheme or its contracted parties may be recorded. Signature of Principal Member Date D D M M Y Y Y Y

nnnnnnnn

Name and surname

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SECtion k: DECLARAtion BY GEMS

the Scheme declares that: A members personal details and medical information (obtained from healthcare providers with the explicit consent of the member) shall be kept confidential. Member information (personal and health information) will not be used for purposes of related company business nor sold for commercial purposes. There are data security measures in place. Access is granted to persons within the organisation and its contracted third parties, to the personal and health information of beneficiaries. The Scheme and its contracted third parties will use the medical/health/diagnosis/procedure information provided for the following purposes: processing the application for membership, re-imbursement of claims, determining member entitlement to benefits and risk management practice. All staff members within the Scheme and its contracted third parties, are bound by internal confidentiality agreements. The Scheme has ensured that confidentiality agreements have been entered into with all contracted third parties who have access to beneficiary information for the purposes of data transfer and management, Scheme administration and managed care arrangements. In the event of a breach of confidentiality, the Scheme assumes responsibility and the breach will be managed according to the Schemes internal protocols. Please call 0860 00 4367 should you not have received confirmation of your membership on GEMS within 7 working days from the date of submission of your application.

Postal address: GEMS, Private Bag X782, Cape Town 8000

Name and surname

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Guide to Completing

and Submitting Your Application Form

Please do not return this guide with your completed application form.

We have highlighted the important information in the various sections of your application form that will assist you in completing your application form correctly. Please read the guide carefully.
Please make sure that you also supply the following supplementary documentation for the Principal Member: 1. Copy of ID for Principal Member 2. M2 form which is to be submitted with application form when you need to change your medical scheme particulars and to continue receiving your same subsidy 3. Z583 forms if you are retiring and need to apply for continuation of membership or if you are a dependant who needs to continue membership upon the death of the Principal Member 4. Subsidy confirmation letter from National Treasury, if available 5. Membership certificate from the previous medical scheme with an end date 6. Your signature where required (Sections H, I and J)

CoMPLEtinG YoUR APPLiCAtion FoRM

SECtion A: MEMBER DEtAiLS
it is compulsory to complete all information in Section A, where applicable. Persal/employee/pension number Your Persal number is available on your salary advice. Pensioners Please provide your pension number that appears on your correspondence or Pension Certificate from the National Treasury. Employer Please indicate your current employers name and organisation code. Your organisation code can be obtained from your salary advice, if you are a civil servant.

SECtion B: DEtAiLS oF DEPEnDAnt/S

Please complete the details of your dependant/s in Section B of the application form. it is compulsory to complete the iD details of your dependants in this section. We will be unable to process your application if this information is not provided. No dependants, other than those listed in the table below, are eligible for membership. The following documentation is required with an application if the Principal Member wishes to register beneficiaries as dependants: DESCRiPtion oF DEPEnDAnt DoCUMEntAtion REqUiRED
Spouse Completed dependant section on application form. If customary marriage, an affidavit from the member confirming the obligation towards the spouse. Marriage certificate required if married and surname differs from Principal Member. Completed dependant section on application form. Copy of legal obligation to provide medical support per divorce settlement or court order to such effect existing. Completed dependant section on application form. Sworn affidavit confirming that the dependant is the members life partner. (Sworn affidavit to be completed by Principal Member, partner and witness)

Ex-spouse

Partner

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DESCRiPtion oF DEPEnDAnt DoCUMEntAtion REqUiRED

Child (biological, adopted, step or foster), with Principal Members surname, under the age of 21 Completed dependant section on application form. note: If the childs surname differs from the Principal Members, an affidavit confirming the obligation towards the child and stating the reason for the difference is required. (Sworn affidavit to be completed by Principal Member) note: The spouse must be registered to add the step child. Completed dependant section on application form. If child is a student: - Proof of full-time registration at a recognised tertiary institution and - Affidavit from Principal Member confirming financial dependency. If child is totally dependent due to mental or physical disability: - Proof of disability from a medical practitioner (Medical assessment report to be completed by Medical Practitioner) and - Affidavit from Principal Member confirming financial dependency and that the child is not in a state institution. If child is not a student nor disabled: - Affidavit from Principal Member confirming financial dependency. note: The spouse must be registered to add the step child. If dependants surname differs from the Principal Members, an affidavit confirming the Principal Members obligation towards the dependant and stating the reason for difference is required. (Sworn affidavit to be completed by Principal Member) Completed dependant section of the application form. Affidavit from Principal Member confirming financial dependency of the beneficiaries. note: The child of the member or the member or the members spouse must be registered to add the child in-law. Completed dependant section on application form. Affidavit from Principal Member confirming financial dependency of the beneficiaries. note: Parents-in-law and grandparents-in-law may only be registered if the spouse is also registered as a beneficiary. Completed dependant section of the application form. Proof of child support grant received by the Principal Member or the spouse, or Sworn affidavit confirming financial dependency of the grandchild on the Principal Member. (Sworn affidavit to be completed by Principal Member and biological parent, where applicable) note: If the parent of the child is also registered as a dependant an affidavit is needed from the Principal Member for the grandchild or great grandchild only. Completed dependant section of the application form. Sworn affidavit confirming financial dependency of the sibling on the Principal Member. (Sworn affidavit to be completed by Principal Member) note: The sibling of a Principal Member or the Principal Members spouse may be registered as a beneficiary. note: The spouse must be registered to add his/her siblings. Completed dependant section of the application form. Sworn affidavit confirming financial dependency of niece/s and/or nephew/s on the Principal Member. (Sworn affidavit must be completed by the Principal Member and sibling, where applicable) note: The children of a sibling of a Principal Member or the Principal Members spouse may be registered as a beneficiary. note: If the parent of the child is also registered as a dependant an affidavit is needed from the Principal Member for the niece/nephew only. ID documents or birth certificates are required for all dependants.

Child (biological, adopted, step or foster), over the age of 21

Dependant with different surname

Child in-law

Parents, parents-in-law, grandparent or grandparents-in-law

Grandchild, great grandchild and so forth

Sibling, half sibling, step sibling and in-law sibling

Children of sibling

note

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 Adult dependant rates are payable for all dependants over the age of 21, excluding - Disabled dependants (child rates are payable); - Children who are students (child rates are payable until the age of 27); Please note that your adult dependant/s may be subject to an annual eligibility review. Members must provide annual proof of dependency of all beneficiaries over the age of 21 (excluding disabled dependants). The affidavits mentioned in the table above, as well as the medical questionnaire for disabled dependants, are available on the GEMS website at www.gems.gov.za or can be obtained by phoning the Call Centre on 0860 00 4367. What you need to do if you have to provide GEMS with the following documents: Affidavits If you have to submit an affidavit you need to go to your nearest police station or any person authorised as a commissioner of oaths to certify that the information you are providing to GEMS is true and correct. Medical report Take the Assessment Report by Medical Practitioner (Disability) Form to the applicable medical practitioner and request him/her to complete the form. The consultation will be covered from the GP consultation benefit for registered members. Unregistered members are required to cover the cost of this consultation out of their own pockets.

SECtion C: BEnEFit oPtion

Please make your selection carefully, as you are not able to change your option during the course of the year without the approval of the Board of Trustees. Your out-of-hospital and other block benefits will be pro-rated if your entry date is not the 1st of January. This means that your benefit limits will be calculated in proportion to the period of membership left for the year from your date of joining. You will be able to change your option at the end of each year with effect from the first day of the following year.

SECtion D: JoininG DAtE

You need to indicate the date you wish to join GEMS in Section D of the Application form. Please take note of the following: Your admission date must be on the first day of a month. Where possible, ensure that your admission date at GEMS directly follows the cancellation date of your previous medical scheme, as a break in membership may negatively impact on your employer subsidy. If no date is entered, your registration date will be automatically determined for the first day of the next month so that no arrear contributions are created. If the joining date selected by you causes arrear contributions, it will be deducted from your salary or bank account (where applicable). In respect of new employees, your registration date cannot be earlier than your appointment date.

SECtion E: inCoME CAtEGoRY

Pensioner Applicants Please fill in an M2 form and Z583 form for confirmation of subsidy with the National Treasury Department. These forms can be obtained from the GEMS website at www.gems.gov.za or by calling the Call Centre on 0860 00 4367. Should you have a copy of a National Treasury letter confirming your subsidy, please attach it to the application form, as it will allow for a more efficient registration process. Employed Applicants Please indicate your basic monthly salary. If you are at middle or senior management level, please indicate your gross monthly package. (Include latest payslip or letter of appointment if you are a new employee.)

SECtion F: PREVioUS MEDiCAL SCHEME MEMBERSHiP

Please attach a membership certificate with an end date from your previous medical scheme. Please note the following: Legislation determines that you or your dependants may not be registered on two medical schemes at the same time. 3 of 6

What you need to do if you belonged to a previous medical scheme prior to joining GEMS: Please contact your previous medical scheme and request them to provide you with a membership certificate with an end date as proof of membership. Please note that if your membership certificate does not reflect an end date, we are unable to use it. Remember to complete and forward a termination letter to cancel your membership with the previous medical scheme, if you have not done this yet. If you are unable to obtain a membership certificate, we will accept a termination of membership letter on your previous medical schemes letterhead, as proof of resignation.

SECtionS G AnD H

It is compulsory to complete these sections in full, as your application form will not be processed if banking details are not provided.

SECtionS i AnD J

Please ensure that you read these sections carefully before you sign these sections on your application form. Please note: Your application form will not be processed without your signature.

ADDitionAL inFoRMAtion FoR REGiStERinG MEMBERS

GEMS nEtWoRk oPtionS
If you choose to join the Sapphire or Beryl option, you need to note that these are network options. This means that you and your dependants are required to use only healthcare providers contracted to the GEMS Network. Your current family doctor/dentist/optometrist may not be listed as a GEMS Network provider. If this is the case, you need to call the GEMS Call Centre on 0860 00 4367 to find a service provider in your area.

FRiEnDS oF GEMS

GEMS has partnered with thousands of doctors, dentists and other healthcare service providers to offer members an innovative provider registry that brings healthcare providers within members reach. These providers have agreed not to charge GEMS members above the Schemes rate, which means that you do not have to pay anything out of your own pocket for a consultation with a Friend of GEMS. To find a Friend of GEMS in your area, simply send an SMS to 33489 with your member number, the service provider category, the suburb and/or extension and town you require. For example if you live in Hillcrest, Pretoria and you need to see a general practitioner (GP), your SMS should look like this: 123456789, GP, Hillcrest, Pretoria. You will receive an instant response with the details of the providers, for example Dr A Dlamini, 103 Kingsley Centre, Church Street, 0121234567. SMSes are competitively priced at R1.50 and the response SMS is included. this service applies to all options.

HiV/AiDS

If you or any of your dependants are living with HIV/AIDS, it would be in your interest to join the GEMS HIV/AIDS Management Programme by calling Aid for AIDS on 0860 100 608. This is a confidential programme, neither the employer nor the Scheme has access to the participants information.

CHRoniC MEDiCAtion

Chronic medicines are prescribed to treat ongoing conditions such as high blood pressure or asthma and are taken continuously. GEMS provides comprehensive chronic medicine benefits to all members. In order to qualify for your chronic medicine you have to register on the Medicine Management Programme, after you have received notification that you are a registered member of GEMS. Chronic medicines include: Medicine for life-threatening illnesses, like diabetes; Medicine used on an ongoing basis to treat disabling chronic illnesses that significantly affect productivity and quality of life; and Expensive short-term medicine that will prevent other expensive treatment, like hospitalisation. 4 of 6

APPLiCAtion FoR CHRoniC MEDiCAtion

Sapphire and Beryl If you are on the Sapphire or Beryl option, your GEMS Network doctor, after confirming your diagnosis, will be responsible for registering your condition with GEMS and obtaining authorisation for your chronic medication. Once registered on the programme your authorised medication will be covered in full, provided that you obtain the medication through the designated courier pharmacy (Medipost). Your GEMS Network doctor will assist you with these arrangements. Please note that only medication on the Sapphire and Beryl medication formulary is covered. Ruby, Emerald and onyx If you are on the Ruby, Emerald or Onyx option, you need to apply for your chronic medicine by obtaining a Chronic Medicine Benefit Application Form from the GEMS Call Centre or downloading one from our website at www.gems.gov.za. Once your doctor has examined you and completed the application form, you need to fax the form together with a repeatable doctors prescription to 0866 51 8009 for processing. Alternatively you may email these to chronicDSP@gems.gov.za. Always ensure that your application has been filled out completely and signed by both yourself and your doctor. A clinical team will then review your details and if necessary will contact your doctor (either telephonically or in writing) in order to select more appropriate and/or less costly medication. An SMS will be sent to you indicating the status of your application (receipt and approval). Your request will take approximately seven working days to process. Please remember the following when applying for chronic medicine: A separate chronic application form has to be completed for each family member who needs chronic medicine. Keep a copy of your completed form for your own records. Attach supporting tests/special investigations and motivations (as required) to prevent delays in the processing of your application. Once your application has been approved you will receive an authorisation letter listing the medicines to be paid from your Chronic Medicine Benefit. The letter will also indicate which medicines are on the approved Medicine Price List (MPL) and those medicines that will attract out-of-formulary co-payments. Alternatives, which wont attract a formulary co-payment, are available. Please discuss the possibility of using an alternative product with your prescribing doctor should you wish to avoid this co-payment. If the authorised medicine differs from the medicine requested, a letter of explanation will be included with your authorisation letter and a copy will be sent to the prescribing doctor. If your application is declined, a letter will be sent to you and a copy will be sent to your prescribing doctor. If further clinical information is required, your request will be reconsidered once all the relevant information has been received from your doctor. Your doctor may call 0860 100 608 for assistance. Update applications If your chronic medication changes in any way, you need to inform GEMS. Please fax a repeatable doctors prescription for the new medication to the GEMS chronic designated service provider (DSP) on 0866 51 8009. Medication delivery A GEMS chronic DSP consultant will contact you within 48 hours of submission of your doctors subscription for new medication to make arrangements for delivery of your medication.

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SUBMittinG YoUR CoMPLEtED APPLiCAtion FoRM

Once you have completed your application form, you can submit it for registration in any of the following manners: Fax it to 0861 00 4367, or Email it to enquiries@gems.gov.za, or Drop it off at any of the following regional offices: FREE StAtE Bloemfontein: Bloem Plaza, Shop 124, Maitland Street Welkom: Liberty Centre, Shop 24, Mooi Street LiMPoPo PRoVinCE Polokwane: Shop 1, 52 Market Street Thohoyandou: Unit G3, Metropolitan Centre EAStERn CAPE East London: 13A Surrey Road, Vincent Mthatha: Savoy Complex, Unit 11 & 12A, Nelson Mandela Drive noRtHERn CAPE Kimberley: New Park Centre, Shop 14, c/o Long & Bultfontein Way Upington: 61A Mark Street MPUMALAnGA Nelspruit: 24 c/o Murray & Van der Merwe Streets eMalahleni (Witbank): Safeways Crescent Centre, Shop S67, c/o President & Swartbos Streets, Die Heuwel noRtH WESt Klerksdorp: City Mall, Shop 15A, c/o OR Tambo & Neser Streets Mafikeng: Mmabatho Megacity Shopping Centre, Shop 39, c/o Sekame & James Moraka Streets, Mmabatho kWAZULU-nAtAL Durban: The Berea Centre, Shop G18, Entrance 1, 249 Berea Road, Berea Pietermaritzburg: Deloitte House, Suite 3, Block A, 181 Hoosen Haffejee Street (Berg Street) GAUtEnG Johannesburg: Traduna House, 118 Jorrisen Street, Ground Floor, c/o Jorrisen and Love Day Streets (opposite Civic Centre) Pretoria: Sancardia Building, Shop 51, First Floor, c/o Beatrix & Church Streets, Arcadia WEStERn CAPE Worcester: Mountain Mill Shopping Centre, Shop 125 A & B, Mountain Mill Drive Cape Town: Constitution House, 124 Adderley Street Post it to GEMS at Private Bag X782, Cape Town, 8000 Upon processing of your application form, you will receive an SMS to confirm receipt of your application. You will be informed accordingly should any additional documents be required to complete the registration of your application. Upon completion of the registration of your application form, a member pack that includes your membership cards and a comprehensive member guide will be posted to your postal address.

Postal address: GEMS, Private Bag X782, Cape Town 8000

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