Create the set like this:
ipset create myips hash:net
ipset add myips 192.168.0.0/16
ipset add myips 10.0.0.0/8
ipset add myips 172.16.0.0/12
ipset add myips 100.64.0.0/10
ipset save -f /etc/ipset.conf
Use it like this:
ipset restore -f /etc/ipset.conf
iptables -A INPUT -m set --match-set myips src -j ACCEPT