Rajesh Malhotra, 38, was blessed with a baby girl a few days ago. He is a successful businessman managing an automobile workshop in prime commercial area of Gurgaon.

Thanks to his hobby of reading – he was well aware of the need of health insurance and wanted to get his new born covered under health insurance right from the beginning.

With this thought, he started researching more on the Internet. In the middle, he also approached some insurance agents and told them about his requirement. Rajesh is a wise man and wanted to weigh all possible options before jumping to any conclusion. After all, it was a matter of his baby's well- being and upbringing.

Yes, not many people think health insurance a part of upbringing. But today, people in India are conscious and well-educated. They do not want to leave any room for negligence, when it comes to the health of their dear ones.

Meanwhile, Rajesh was surprised on coming across a vast range of plans. Agents were telling him at least a dozen of plans. Most of them were not meeting his expectations but still they were trying hard to sell some particular plan to him. Maybe they were getting more incentives on certain plans.

Anyway, this annoyed Rajesh and he finally decided to side line agents and buy a health insurance plan online.

After some solid research at insurance comparison portals  he came to know about some nice plans. The best part was that he got to know about family floater plans.

Until now, Rajesh did not have any health insurance plan but the entry of an innocent life made him all the more sensitive towards his responsibilities, and he wanted to cover his child. To his surprise, he got a much better option.

Through family floater plans, he was not only able to cover his baby but his entire family of three people. He made up his mind to buy a family floater plan from a leading private sector general insurance company HDFC

Within a few minutes, he was able to buy the plan. Yes, it is that easy.

But here is a question that may linger in your mind. What if the family adds another baby to their clan? No worries. The insurance company just needs to be informed about it within a few days, so that this addition can be duly reflected in the policy.

Also, there is no need to worry about the insurance limit. You can always increase the limit. Besides, there are several riders through which you can enhance coverage of your family floater plan.

If this story resembles you or any of your relatives or friends, then try to get the best out of the insurance plans available in the market.

These days, you do not have to rely on agents. It is not that every agent is a fraud but why to get carried by misleading advices and fulfil interests of agents instead of yourself. The Insurance Regulatory and Development Authority of India (IRDAI) has witnessed a large number of cases of mis-selling, and it has come up with strong guidelines to rule this practice out.

In fact, the new Ordinance on amendments in Insurance sector imposes very heavy penalties on insurance companies if any of their agents are found involved in mis-selling.

Given this, it is always better to research online and make prudent decisions.

You will find that you just need to provide basic information about yourself and your expectations, and get clear-cut information about various plans. The portal is not using any jargon which you cannot understand and explains myriad features in a crisp and useful manner.

So, what are you waiting for? Just spare a few minutes and do visit the website – just experience it to believe it.