Best income protection insurance in India for home loan EMI if I lose my job?

Hi everyone,

I'm planning to take a home loan from HDFC, and I'm looking for an insurance policy that can protect me if I lose my job due to layoffs, company downsizing, or termination (other than misconduct).

I'm specifically looking for:

\- Insurance that covers my home loan EMIs or provides a monthly payout during unemployment.

\- Policies that actually pay out for involuntary job loss, not just disability or critical illness.

\- Any waiting periods, exclusions, or hidden clauses I should be aware of.

\- Whether it's better to buy HDFC's loan protection insurance or a standalone policy from another insurer.

Most importantly, has anyone here actually filed a claim for job-loss insurance? If yes:

\- Which insurer did you use?

\- Was your claim approved or rejected?

\- How smooth was the claim process?

\- Would you recommend that policy?

I'd really appreciate hearing real-world experiences before I commit to any insurance.

Thanks in advance!