Empire Life Health Insurance Reviews

I have been client of this company for almost two years.
Claimed coverage for medicine, dental treatment for many times.
didn't get any coverage. They are big cheaters, always lying ,never get real information. I will highly not recommend this company.

Very limited coverage, even more limited for family members, zero point to pay extra premium for family members. Slow payments. This company is joke.

My company switched our group benefits plan to Empire Life Insurance this month. I don't know what level of service reductions they made, but under the previous insurer, I had 100% coverage for diagnostic dental x-rays which they paid for my son without questions asked. With Empire Life, my claim for diagnostic dental x-rays was denied. I am very lucky to have a working wife with a much better group benefits plan, but the coordination of benefits with Empire Life is so bad that my wife's insurance company told me that it is in my benefit to opt out of my company's Empire Life benefits plan so that I can actually get my claims processed AND paid - and not to waste my time having to submit claims that will end up getting denied any way.

These guys are total frauds and should be shut down. Try everything possible to get out of paying out any claims. They also just decide not to cover certain accreditations of medical professionals without any good reason.

Terrible customer service and horrible wait times yet they expect you to send them personal details about your medical records immediately or threaten to close your file without reimbursement.