It's always good to know what’s covered by your plan, and what isn’t. Here’s a list of things that your Loan Protect Plan (Comprehensive) does not cover:

- The 4-day deductible for in-patient hospitalisation

- Any critical illnesses other than the 15 critical illnesses listed in the policy document

- Any hospitalisation due to an illness in the first 30 days from the policy start date

- Certain specified illnesses for 24 months from the policy start date

- Pre-existing diseases

A detailed list of exclusions and waiting period is mentioned in your policy document. Take a look at it here.