u/uj0601

Hi everyone,

I have a health insurance policy with Niva Bupa for my parents:

Father: 60 years

Mother: 56 years

Mother has diabetes, which was declared when I purchased the policy 2 years ago.

Father had hypertension/BP, which was also declared at the time of taking the policy.

I had also taken the applicable rider for chronic/pre-existing diseases.

My policy renewal is next month, and my father has now been diagnosed with diabetes.

I want to be completely transparent and declare his diabetes to the insurance company at renewal. I have a few questions:

1. Since I already have a rider for chronic/pre-existing diseases, if I declare my father's newly diagnosed diabetes at renewal, will diabetes-related treatment/complications be covered from Day 1, or will a fresh waiting period apply?

2. If I declare the diabetes at renewal, can the insurance company increase the premium or impose any additional conditions/loading like 3 years waiting period?

Has anyone experienced a similar situation with Niva Bupa or another insurer? How did the insurer handle a newly diagnosed condition during renewal?

My main intention is to properly disclose everything to the insurer and avoid any issue at the time of a future claim. At the same time, I don't want to unnecessarily lose the benefits/waiting-period credits I've already accumulated.

I also checked porting to another insurer, but the premium for taking a fresh policy is significantly higher.

Would really appreciate any advice or personal experiences, especially from people who have dealt with diabetes being diagnosed during an existing health insurance policy.

Hi everyone,

I have a health insurance policy with Niva Bupa for my parents:

Father: 60 years

Mother: 56 years

Mother has diabetes, which was declared when I purchased the policy 2 years ago.

Father had hypertension/BP, which was also declared at the time of taking the policy.

I had also taken the applicable rider for chronic/pre-existing diseases.

My policy renewal is next month, and my father has now been diagnosed with diabetes.

I want to be completely transparent and declare his diabetes to the insurance company at renewal. I have a few questions:

1. Since I already have a rider for chronic/pre-existing diseases, if I declare my father's newly diagnosed diabetes at renewal, will diabetes-related treatment/complications be covered from Day 1, or will a fresh waiting period apply?

2. If I declare the diabetes at renewal, can the insurance company increase the premium or impose any additional conditions/loading like 3 years waiting period?

Has anyone experienced a similar situation with Niva Bupa or another insurer? How did the insurer handle a newly diagnosed condition during renewal?

My main intention is to properly disclose everything to the insurer and avoid any issue at the time of a future claim. At the same time, I don't want to unnecessarily lose the benefits/waiting-period credits I've already accumulated.

I also checked porting to another insurer, but the premium for taking a fresh policy is significantly higher.

Would really appreciate any advice or personal experiences, especially from people who have dealt with diabetes being diagnosed during an existing health insurance policy.

Hi everyone,

I’m travelling to China soon and planning to use Alipay for day-to-day payments.

I have the Scapia Federal Credit Card and wanted to know from people who have actually used it in China:

Did payments work smoothly at shops, restaurants, metro, etc.?

Did you face any transaction declines or card/payment restrictions?

How was the overall experience with Scapia + Alipay in China?

Were there any unexpected charges, forex issues, or other problems?

Also, has anyone tried linking the same Scapia card to two different Alipay accounts (e.g., mine and my spouse’s)?

Would really appreciate feedback from anyone who has personally used Scapia with Alipay in China, especially recently.

Thanks!

Hi everyone,

I’m travelling to China soon and planning to use Alipay for day-to-day payments.

I have the Scapia Federal Credit Card and wanted to know from people who have actually used it in China:

Did payments work smoothly at shops, restaurants, metro, etc.?

Did you face any transaction declines or card/payment restrictions?

How was the overall experience with Scapia + Alipay in China?

Were there any unexpected charges, forex issues, or other problems?

Also, has anyone tried linking the same Scapia card to two different Alipay accounts (e.g., mine and my spouse’s)?

Would really appreciate feedback from anyone who has personally used Scapia with Alipay in China, especially recently.

Thanks!

​

Anyone know how to fix this error?

I’m getting this error while trying to activate my Metro Card. Has anyone faced the same issue or knows how to resolve it?

Any help would be appreciated. Thanks!

Hi everyone,

For those who recently submitted their passport to VFS Delhi for a China visa under Normal Service, how many days did it take to get your passport back?

Could you please share:

Date of passport submission

Date of passport collection/delivery

Whether it was Normal Service

Just trying to understand the current estimated timeline for passport return after submission.

Thanks!

Hi everyone,

Has anyone who submitted their online application around 11th July received any updates yet?

If yes, could you please share:

- Application submission date

- Current status (Under Review / Approved /Modification Requested / Rejected)

travel date?

Please mention the details in the comments. It would really help everyone who is waiting for an update.

Thank you!

Hi everyone,

Has anyone who submitted their online application around 11th July received any updates yet?

If yes, could you please share:

- Application submission date

- Current status (Under Review / Approved / Modification Requested / Rejected)

travel date ?

Please mention the details in the comments. It would really help everyone who is waiting for an update.

Thank you!

I sponsored my wife's China tourist visa application because her bank account did not maintain the required balance for the past few months. We have already uploaded my bank statements, sponsorship letter, cover letter, and all the required financial documents.

My question is: has anyone been asked by the Chinese Embassy/China Visa Application Centre to provide a marriage certificate or any other proof of marriage (such as each other's names on passports, marriage registration, or similar documents) when one spouse is sponsoring the other?

Unfortunately, we don't have a marriage certificate or any other official marriage proof at the moment.

If anyone has gone through a similar situation or has any experience with this, I'd really appreciate your insights. Thanks in advance!

I sponsored my wife's China tourist visa application because her bank account did not maintain the required balance for the past few months. We have already uploaded my bank statements, sponsorship letter, cover letter, and all the required financial documents.

My question is: has anyone been asked by the Chinese Embassy/China Visa Application Centre to provide a marriage certificate or any other proof of marriage (such as each other's names on passports, marriage registration, or similar documents) when one spouse is sponsoring the other?

Unfortunately, we don't have a marriage certificate or any other official marriage proof at the moment.

If anyone has gone through a similar situation or has any experience with this, I'd really appreciate your insights. Thanks in advance!

Hi everyone,

I need some guidance regarding document uploads for a China tourist visa reapplication.

The embassy informed me that I uploaded some documents in the wrong sections during my previous application, so I want to make sure I upload everything correctly this time.

Could you please let me know which section the following documents should be uploaded under?

- Cover letter

- Sponsorship letter

- Sponsor's bank statement

- Applicant's NOC

- Sponsor's financial documents (such as ITR/salary slips, if applicable)

- Sponsor's ID proof

Should these documents be uploaded under:

1. Air ticket (round trip), hotel booking confirmation, and itinerary in China, or

2. Personal bank statement of the last six months?

I would really appreciate your guidance from anyone who has successfully applied with sponsorship. Thank you!

Hi everyone,

I need some guidance regarding document uploads for a China tourist visa reapplication.

The embassy informed me that I uploaded some documents in the wrong sections during my previous application, so I want to make sure I upload everything correctly this time.

Could you please let me know which section the following documents should be uploaded under?

- Cover letter

- Sponsorship letter

- Sponsor's bank statement

- Applicant's NOC

- Sponsor's financial documents (such as ITR/salary slips, if applicable)

- Sponsor's ID proof

Should these documents be uploaded under:

1. Air ticket (round trip), hotel booking confirmation, and itinerary in China, or

2. Personal bank statement of the last six months?

I would really appreciate your guidance from anyone who has successfully applied with sponsorship. Thank you!

Hi everyone,

My wife is applying for a China Tourist (L) Visa, and I will be sponsoring her entire trip.

In the online COVA application form, under Section 6.4 – "Who will pay for the trip?", should she select "Self" or "Other"?

If the correct option is "Other", should she enter my name as the sponsor?

Has anyone been in a similar situation or can confirm the correct option?

Thanks in advance for your help!

hi, china visa is unapproved. can you please share the email id where I can ask for the reason?

nationality indian

hi everyone, did anyone received china online approval main today or yesterday?

please share it

nationality India

Hi everyone,

I need some guidance from anyone who has gone through a similar situation.

My wife and I applied for individual China Tourist (L) visas on the same day with the same itinerary, flights, hotel bookings, and travel dates.

After a few days, my wife's application received a modification request with the following reason:

"Bank account must have the consistency of the remaining balance ₹1 lakh for the past 3 months."

My application, however, has remained "Under Review" throughout.

To address the observation, we made the following changes in my wife's application:

Revised the cover letter explaining that I (her husband) will now sponsor the trip.

Added my sponsorship letter.

Attached my 3-month salary bank statement showing a consistent balance of more than ₹2 lakh.

Attached my salary slips, Company NOC, passport copy, and ITR acknowledgements.

Kept my wife's original bank statement as well (did not remove or replace it).

We did not upload a marriage certificate since we don't have one, and the embassy only requested additional financial documents.

My questions are:

Has anyone received a similar financial modification request and later got their visa approved?

Is changing from a self-funded application to a spouse-sponsored application after receiving a financial observation a normal practice?

Is there any chance the embassy may ask for a marriage certificate or additional relationship proof later?

Since my own application is still "Under Review", is it possible they are reviewing both applications together and will update them after reviewing my wife's revised documents?

I'd really appreciate hearing from anyone who has gone through a similar situation. Thank you!

Hi everyone,

I need some guidance from anyone who has gone through a similar situation.

My wife and I applied for individual China Tourist (L) visas on the same day with the same itinerary, flights, hotel bookings, and travel dates.

After a few days, my wife's application received a modification request with the following reason:

"Bank account must have the consistency of the remaining balance ₹1 lakh for the past 3 months."

My application, however, has remained "Under Review" throughout.

To address the observation, we made the following changes in my wife's application:

Revised the cover letter explaining that I (her husband) will now sponsor the trip.

Added my sponsorship letter.

Attached my 3-month salary bank statement showing a consistent balance of more than ₹2 lakh.

Attached my salary slips, Company NOC, passport copy, and ITR acknowledgements.

Kept my wife's original bank statement as well (did not remove or replace it).

We did not upload a marriage certificate since we don't have one, and the embassy only requested additional financial documents.

My questions are:

Has anyone received a similar financial modification request and later got their visa approved?

Is changing from a self-funded application to a spouse-sponsored application after receiving a financial observation a normal practice?

Is there any chance the embassy may ask for a marriage certificate or additional relationship proof later?

Since my own application is still "Under Review", is it possible they are reviewing both applications together and will update them after reviewing my wife's revised documents?

I'd really appreciate hearing from anyone who has gone through a similar situation. Thank you!

Hi everyone,

I need some guidance from anyone who has gone through a similar situation.

My wife and I applied for individual China Tourist (L) visas on the same day with the same itinerary, flights, hotel bookings, and travel dates.

After a few days, my wife's application received a modification request with the following reason:

"Bank account must have the consistency of the remaining balance ₹1 lakh for the past 3 months."

My application, however, has remained "Under Review" throughout.

To address the observation, we made the following changes in my wife's application:

Revised the cover letter explaining that I (her husband) will now sponsor the trip.

Added my sponsorship letter.

Attached my 3-month salary bank statement showing a consistent balance of more than ₹2 lakh.

Attached my salary slips, Company NOC, passport copy, and ITR acknowledgements.

Kept my wife's original bank statement as well (did not remove or replace it).

We did not upload a marriage certificate since we don't have one, and the embassy only requested additional financial documents.

My questions are:

Has anyone received a similar financial modification request and later got their visa approved?

Is changing from a self-funded application to a spouse-sponsored application after receiving a financial observation a normal practice?

Is there any chance the embassy may ask for a marriage certificate or additional relationship proof later?

Since my own application is still "Under Review", is it possible they are reviewing both applications together and will update them after reviewing my wife's revised documents?

I'd really appreciate hearing from anyone who has gone through a similar situation. Thank you!

Hi everyone,

I need some guidance from anyone who has gone through a similar situation.

My wife and I applied for individual China Tourist (L) visas on the same day with the same itinerary, flights, hotel bookings, and travel dates.

After a few days, my wife's application received a modification request with the following reason:

"Bank account must have the consistency of the remaining balance ₹1 lakh for the past 3 months."

My application, however, has remained "Under Review" throughout.

To address the observation, we made the following changes in my wife's application:

Revised the cover letter explaining that I (her husband) will now sponsor the trip.

Added my sponsorship letter.

Attached my 3-month salary bank statement showing a consistent balance of more than ₹2 lakh.

Attached my salary slips, Company NOC, passport copy, and ITR acknowledgements.

Kept my wife's original bank statement as well (did not remove or replace it).

We did not upload a marriage certificate since we don't have one, and the embassy only requested additional financial documents.

My questions are:

Has anyone received a similar financial modification request and later got their visa approved?

Is changing from a self-funded application to a spouse-sponsored application after receiving a financial observation a normal practice?

Is there any chance the embassy may ask for a marriage certificate or additional relationship proof later?

Since my own application is still "Under Review", is it possible they are reviewing both applications together and will update them after reviewing my wife's revised documents?

I'd really appreciate hearing from anyone who has gone through a similar situation. Thank you!

do marriage certificate is required as i want to sponsor my wife for the trip?

as my wife bank balance is not maintained from last 3-6 months so i wnat to sponsor the trip?

nationalism: both indian visa type: L tourist sponsor visa : tourist only