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Government Employees Medical Scheme (GEMS)

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GEMS was registered on 1 January 2005 specifically to meet the healthcare needs of Government Employees. We offer five excellent healthcare benefit options: Sapphire, Beryl, Ruby, Emerald and Onyx. Our goal is to help public service employees and their families to get the best possible healthcare at the most affordable rate.

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Reducing Term Insurance:

A term insurance policy where the sum insured is progressively reduced over the term of the policy (decreasing term).
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