Dear Rahul,
Internet will only be your food for information on schemes available. But for excellent discount and guidnace its advisable to deal with Consultants who will share with you all the available group plans in India and based on which you can take a call.
Do not take your decision just based on company specific excecutive or else you will be the loser.
Any help let me know I will share with you a good and sound consultant in Mumbai.
Ukmitra