Manulife Health Insurance Reviews

I am someone who does not like to complain or do reviews, but I truly feel people should be aware of how terrible Manulife is so I can save others the issues and frustration I have dealt with.

In short; they flat out lie to you (saying my plan does not cover something when it does, and I send them the booklet with it highlighted), make you feel like you are the one at fault, even when essential paperwork is provided will consistently deny claim. Even when my work gets involved will deny claim and lie to my work. I have all paperwork to back up my claim and still deny deny. It's horrible what they are doing to my family, I have paid them for years with very few claims and when I do claim something it's a battle now lasting almost a year (a minor claim I might add) Totally unacceptable. If you are able, please do not go with this company, for the sake of your sanity and family please please pass on Manulife!

I hate to call them. Every time we fight over claims and how much is covered. Something like eye care for contact lenses is only every two years. Massage therapy is only for the $70per session. I pay through the roof in premiums and this is all I get. I am seriously considering telling my boss that I'm not going to participate in the plan. Maybe if they offer better to employees they'd stay longer. I'm looking for a better insurance company, and maybe a better company to work for. I'm done with this.

I am trying to submit a claim online but can't because my address is not in Canada. I live in Toronto!!! Called customer service and he had to pass the issue onto an admin, and it will take 3 days to fix????

Their forms are not easy to interpret so if your doctor does not fill out their forms correctly, they will deny your claim without seeking clarification or additional information. I advised the Manulife representative my doctor wrote my medical symptoms on the wrong page but it clearly states I've been sick due to pregnancy and should be off a certain period of time. I have a scheduled vacation coming up which I was told but Manulife I cannot travel aboard and appeal the case at the same time, eventhough the doctor approved of my sick leave up until my vacation time, which at that point he expects me to be better. This is on the verge of discrimination and I will be contesting their treatment of my case as they are causing undue hardship by not taking reasonable steps to assess and process my claim.

We have been paying into Manulife for over a year. In total we have given them over $2400.00. The other day I had to go refill my prescription for my diabetes. I was told that my plan was capped at a $1000.00 and I had reached my limit. So I had to pay full price. And for those who don't know, insulin is NOT cheap. So the money that we have spent on Manulife was a waste of money. They don't reset the plan until September 1st. So in other words we would have to pay 220.00 a month for a plan that we can't use and 200.00 for my medication. What a rip off. Manulife is not worth any amount of money you put into it.

This company is by far the worst insurance company I've dealt with. In order to get reimbursed for drugs you have to fill out 2 page long forms and PHYSICALLY mail them (yes you have to pay for postage as well) just so they can review and maybe pay you. Manulife doesn't allow forms to be submitted online because they want to make as much hassle for their clients as possible so their clients don't even bother submitting anything.

While my experiences with the call centre have not been as bad as some of the other reviews, my overall experience with Manulife has been nothing short of garbage.

Firstly, the time to process claims is a thorough joke. They state 5 - 7 BUSINESS days after they receive the claim (which is bad enough to begin with), but don't kid yourself - you will wait roughly 3 weeks before you see any money back.

Secondly, the coverage is extremely poor - even for "Comprehensive" cover. Manulife pays out "90%" (of the regulatory "norms") - finding a healthcare provider that charges in accordance with the regulatory norms is almost as good as winning the lotto.

I had previously been with Sun Life, but had to change due to moving employers - I experienced NONE of the above issues when dealing with Sun Life whatsoever.

So, if you feel like waiting about 3 weeks to recover a small portion of your medical expenses for "COMPREHENSIVE" cover, then Manulife is your choice.

However, if you actually want any sort of adequate insurance coverage, then you can pretty much GO WITH ANY OTHER SERVICE PROVIDER.

These guys are the worst.

My calls were constantly farmed out and went out to some call center in the Philippines. They demanded several notes and even phoned my doctor. I have now gotten in trouble with my doctor saying they will not do phone and prescriptions for me anymore because of the harassment from Manulife. They are criminals, they do whatever they can to not pay including changing the rules.

It actually cost's me more money to use Manulife when I pick up my prescriptions. They have a 30-40 tablet at a time policy, so I would have to get my prescription broken up into 4 different times of driving to the pharmacy and then paying the fee 4 different times. Ridiculous. I just pay for it all myself once a month and I end up saving $18 in fees, plus the gas and my time each month.

My experience:
Manulife took over our provider Standard Life in April 2016.
We were assured that access to our Standard Life claims would remain active. True until May, after which we were required to call into Manulife to access the information.

Manulife required a new pre-determination for my daughter's orthodontic treatments. Manulife then proceeded to double pay some benefits, sending a bill for the extra amounts, pay incorrect amounts on some benefits, and in all cases fail to process associated Health Spending Accounts (HSA) amounts.

After 8 months I hoping to have a resolution to these issues next month currently I am owed over 1,500 in benefits that are yet to be paid.
History corrections litter the completed claims area with some applied to the wrong patient.

In tracking this issue I have discovered the following:
* Manulife removes claim documents from their website... I have claim documents that I downloaded but can no longer be found in the claims area. After calling Manulife, they stated that they "update" the forms and old versions are replaced and removed.
* The HSA (Health Spending Account) information "current as of the date listed" stated a $0 balance for most of 2016, so no claims were applied to it. In January 2017, the website updated with approximately $600 unused for 2016. All the HSA claims need to be re-filed by mail.

I would rate Manulife 0 stars if I could!