Manulife worst insurer
by unhappy manulife customer on Mar 16, 2017
1 out of 5 stars
But this shiesty company makes sure their website is down every weekend so your claims cannot be easily updated.
At first, I thought it was a routine maintenance thing but after a month of the same, I've noticed a pattern.
What they are doing is shady, deceptive, and unethical. A watchdog needs to call them on this as it is screwing thousands of people who only have time to enter receipt information on weekends out of their claims.
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.
We have been with this terrible not-Coverme me program and I can tell you it is horrible. They are super bureaucratic, even my cat's health insurance is much easier and convenient to deal with. You have to fill endless papers and once in a while they change their mind and something that was covered for years suddenly they will make stupid excuses and don't cover anymore (it happened with my daughter psychologist). You have to call and talk to different people and all of them will give you different answers on the same topics, they know nothing. They raise the quote once in a while, the doctors increase their fees and Manulife has the same shitty coverage. Don't believe what the commercials say and look for a serious insurance company.
My employer switched from GWL to Manulife a few months ago for benefits coverage. Apparently Manulife was significantly cheaper for the employer and nothing would change in terms of our benefits. This has not been true. From my perspective and based on my terrible experiences thus far, the reason that they are cheaper is because the employees are now paying for the difference. For example, Manulife has disallowed registered massages because the massage therapist obtained their certification in BC instead of in AB where they practise. This was frustrating because Manulife and my employer did not document this absurd requirement anywhere and now. My employer indicated that they were not aware of this policy so they actually refunded me for the massage. They have told me to get all of the details regarding the Reg Massage Therapist before I book a massage which is such a pain and creates extra stress. In addition, Manulife's website is down on weekends. On Sat, you cannot submit claims after 8pm and Sun, after 5pm. As a parent that works fulltime, it is very difficult to make time to process these claims except on weekends after my young kids have gone to bed. For me, I have actually stopped using my benefits because the thought of trying to process the claim and what Manulife will come back with causes me instant anxiety. Ugh
Manulife is by the worst benifits u can have and there website works like s... dont recommend Manulife to any human being there dumb.
I agree with the below comments as I've had a few claims come back and it goes back and forth until they finally process your claim. I recently moved companies and they told me that they wouldn't accept my claim because it depends on when you receive your contact lenses versus when you submit and actually pay for your order???? I've never heard of this and quite frankly think it's BS. Better off not paying into their plans and paying your own way through.
Manulife works hard to not pay your claim. I have had to call repeatedly about claims made for dental costs and I am advised to resubmit or told that code is not covered. So 50% usually equates to 20% if I'm lucky. there is no customer service wanting to make the process seamless and hassle free. It's hoop jumping so they do as little work as possible in hopes I am sure that the customer becomes frustrated and gives up.
After having Manulife Group insurance with my employer prior to retirement, I purchased Manulife Follow me at the top coverage plan. Since then, coverage has been reduced every year and rates have gone up every year. My prescriptions that were covered are no longer covered. I advise anyone to look at another company and stay away from Manulife…..they are absolutely brutal in all areas!
I had my medical documents sent to someone else. Violated my privacy. Was told "sorry. This doesn't happen often".
So basically it has happened more than once. An easy way for someone to steal your identity.
I also have anxiety issues had to take some time off. Even with Doctors notes turned me down for coverage.
Secure and Certified
Your information privacy and security is very important to us. We use the same 256-bit encryption and data security levels as all major banks. Our practices are monitored and verified by VeriSign and Digicert.
Independent
InsurEye is not owned by any bank, insurance company, insurance brokerage or any other financial services institution. We collect, validate, and analyze insurance experiences of real consumers.
Insightful
We aspire to equip you with insights, data and knowledge to help in making informed decisions around personal finance, insurance quotes, and other important matters. We are always open for your comments.
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.