Manulife Health Insurance Reviews

Worst customer experience in my life. They have zero common sense and you have no avenue to talk directly to the people assigned to your complaint. No direct call back number. To say they are clueless is an understatement. They patch you through to the Philippines and those on that end are abhorrent in the ability to be of assistance. Constantly give opposing answers depending on who you talk to at that time. Just shy of calling it a scam. Never again!

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????

My online account is often inaccessible.
Not all claims are accepted online and don't expect to see an error or alert message on the screen. Just a regular text saying that your claim was no submitted which is wery easy to skip and if you don't pay attention you may wait few weeks until you realize that something is wrong.
If client service call you back to follow up on your issues then you are a very lucky person.
They will play dumb: won't see some details in invoices and will ask you to call them back when you have additional: diagnosis/procedures names or codes/doctor graduation etc. You call and they will say that the information they requested cannot be accepted by phone and will ask you to send it by... Fax! (fax in 2017 ?!?!) After they make you a favor and agree to accept scanned documents by e-mail you better make sure the attached files are in pdf. Even the way you attach the files is important. Drag and drop in gmail didn't work for me, they couldn't see the attachment - use "Attach files" button. And don't be surprised if at the end they will tell you the service is not covered.

Manlike does not deliver on anything they promise. Most unethical fraudulent disgusting Company. No wonder they are constantcly settling lawsuits for millions of dollars rather than go to court because if they went to court they would be shutdown.

We went with Manulife for medicine coverage for my husband. We signed up with them in 2014. At first everything was good. He had been a client for a while and then was diagnosed with sinus polyps and Exercised-induced asthma and a back condition. He needs $300-400 worth of medication every month for basic quality of life. This year he had used all of his benefits half way through the year. So we called and they recommended we upgrade his plan. It would up the amount we could use for medications from $750/year to $5000/year. So we decided to do that and got paper work process underway. Two months later we find out they are accepting him on the policy but only for everything other then the medications he needs for his 3 conditions. They claim its a preexisting condition and they wont pay for anything to do with it even though the conditions were discovered/diagnosed while already under coverage. The insurance company was made aware of every diagnosis and condition every step of the way and never voiced any concerns.

We have Manulife as our company's health and benefits insurer. We have only been with Manulife for 1 1/2 years and I have already had two multi-month disputes with them about honouring claims. They make it as difficult as possible to get your money. You have to jump through so many hoops to get your claim that it is obvious that they just hope you eventually give up and leave them your money. We were formerly with Great West Life. What a shame that our company tried to save money by switching insurers. GWL was so nice to deal with.

Manulife Financial Affinity Markets health claims division is a bunch of scam ripoff artists. I'm so tired of calling in and disputing their unsubstantiated claim denials its completely ridiculous. I'm curious to know how many claims they deny and how many of their customers don't call in, complain, forcing them to reassess and then your claim is approved. I suspect they have a completely fraudulent claims department trained and incentivized to deny deny deny saving Manulife thousands maybe millions in unpaid legitimate claims. I have a disease requiring me to submit claims constantly for the exact same drugs and supplies every week or two, and every month or two they deny for no reason. The disease can't be cured, the drugs/supplies don't change in type/quantity/frequency, nothing. This company, and the people working there, are all rip off artists. Their customer service department is also horrible, they belittle you like you are doing something wrong calling in to complain about their decision when requesting an explanation as to why it was denied. They don't offer a reason, they just say, okay, we will reassess and let you know. Which translates to, oh well, this customer caught us, we'll now buy ourselves more time, never give an explanation, and eventually pay it out unless we can delay for fraudulent reasons some more. This should be a class action lawsuit to bring down this terrible company and their unscrupulous behavior.

Trying to deal with manulife has been a terrible experience for me. They say that dentist needs to fill out forms a certain way, but will not speak to the dentist. They tell me to submit a claim online and when I do it tells me I must manually submit a claim. I am of the opinion that they intentionally make things obtuse so that the claimant will give up in frustration.

I've recently dealt with manulife for a claim, and they found a really insignificant, immaterial, technicality to deny me my claims. I couldn't believe it. When I first got rejected, I had called their agents, and they said they would take care of it because they thought Manulife was being unresonable too, otherwise they would have just said no right away, but was rejected 2 weeks later. This same thing happened with 4 other agents for the next 3 months, until I expressed my dissatisfaction on social media. They told me to contact client relations, and after 2 weeks, they told me I'm denied again. What was the point of that?! They will screw you over, then drag it out for months until you finally give up in frustration. They are the worst, and I will never buy any policy from them again, and I warn anyone who is considering Manulife to stay the hell away unless you want to be wrongfully denied reimbursement and lose sleep over it.

They have multiple layers of forms to fill out before they will process a claim.And if you miss any detail it is denied and sent back.
Enough to frustrate the most patient and organized accountants in the world....
I have coverage through my employer and every time I see an ad for them I hope people read these reviews as I would never deal with them if I had the option.
The only reason I continue to go through their processes is that I won't let them win.
I have co-workers who just don't bother anymore.