Gems in dreams are the symbol of illnesses and anxiety. Germs are very small problems in your waking life, which causes too much stress. You should start paying less attention to small and minor details. On the other hand, the dream could indicate deficiency of will to do something with your life. Maybe the dream suggests you to make some reasons and points in your life. Consider about your health, as the dream may warn you about some illness.
Read more about dreaming of Germs in other dream meanings interpretations.