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No, you can get cashless benefits only at our network hospitals across the country. However, if you choose a hospital of your choice for treatment, you can file a reimbursement claim by sending us the medical bills, your health card, and other relevant medical documents. Once we verify the information and the bills, we will reimburse you for the medical expenses incurred. What are the gardiner family medicine periods in Tata AIG health insurance plans. Our health insurance plans outline a few different waiting periods - gardiner family medicine initial waiting period, the waiting period for pre-existing diseases, gardiner family medicine waiting period for specific continue reading, and one for maternity cover.