best cover and provides you with benefits for public and private hospitals. Great Value Gold Hospital is available without an excess or with a variety of excess levels to reduce your contributions. Public hospitals - You'll be covered1 for hospital accommodation costs when you are admitted to a single or shared room (subject to bed availability) as a private patient in a public hospital. Healthy Start Benefit - Gold Hospital cover provides an additional benefit of up to $500 per childbirth admission to help cover the obstetrician's medical gap (inpatient services only). For further details see the Healthy Start Benefit section in Important Information. Excess options - You can reduce your premium by selecting one of the excess options.