Manulife Health Insurance Reviews

I have health coverage through my employer with Manulife. I recently purchased CPAP mask for my CPAP machine. I have been using CPAP for more than 10 years. CPAP is not listed in covered items on the mobile app however Manulife agent advised me it is covered on the phone. I applied for reimbursement, however It was not paid after 20 days. I followed up several times, and they asked me Doctor's prescription and diagnosis report. So I found the old diagnosis report and Doctor's prescription. Then submitted the documents. It is about one month that I am following reimbursement and each time the agent says within 24–48 hours it will be paid but nothing happens. They lie all the time. They didn't tell me why it was rejected at first place and now 10 days after submitting documents still I am waiting. This is the worst health insurance company I have experience with.....terrible…

Filed a claim in September 2021 and I still don't know today July 2022 why my claim has not been settled. After many phone calls, and e-mails by my insurance broker and myself we have not had any concrete information as to why my 200.00 euro claim has not been settled. I will not recommend Manulife for travel insurance based on my experience.

They don’t deserve any stars! I’ve submitted my claim 3 months ago and if I’m not the one who’s gonna call I will never hear back from them! And a while back I called them and told me that my claim was denied! What’s the sense of getting medical insurance then? Waste of money! Poor customer service! They told me that they’ll transfer me to another department but ended up - they hanged up on me. I don’t recommend this insurance company! PLEASE LOOK FOR A BETTER ONE! The one who’s worth your money.

Was a long-time group member and there were no issues. Once I changed to a personal plan, I found that (1) processes are not well documented; my first claim took 45 days to get reimbursed (2) Manulife's phone system is terrible - long wait times and many agents do not know the plans or speak English very poorly (3) I don't appreciate getting hit with a price increase without any prior knowledge and (4) I became aware of a second price increase 12 months of signing up thru a form letter that had five typos from their VP of Sales and Affinity markets. I wrote the gentleman a letter to voice my complaints. Mr. Thompson chose not to respond. I cancelled the policy and will self-insure instead. Pathetic experience.

Manulife is just horrible to deal with. You have to go back and forth with them for information. For example, my coverage for compression stockings is supposedly once every 3 years, but nowhere is this written in the plan document at my employer, the employee benefits booklet or the Manulife website. They want me to submit estimates for some medical supplies even though there are no health specialists or suppliers of those medical products in the city my employer is located. They send you letters that have standard information and incomplete information and not specific to my case. The doctor requisition stated the medical problems as they required yet they asked me to complete a questionnaire regarding why I need the product. I wasted too much time sending documents on the phone with this company. They need to make things easier especially for people with physical challenges.

Worst customer service, worst response time, wrong invoices and their processing time is months

In my career, I've dealt with several insurance companies and never had a complaint, but in the three years I've been with Manulife, it's been almost non-stop. Everything is a battle with this company, and when you manage to get a representative to look at your case, they give you a short window of time to mail (yes, physically mail) or fax your documents to them. Their goal seems to be to wear you down so you give up on your claim, or getting your spouse added to your plan, which was arbitrarily rejected. Most recently, they stopped covering my son's medication in full. When I inquired, it was because I wasn't getting a generic version. I asked the pharmacist about this and he stated there is no generic version of this medication. I got in touch with Manulife about this again, and they gave me two days to fax them the receipt (which the pharmacist sent them electronically...). I have no access to a fax, so here's hoping an email will work. At this point, I'm not optimistic. I've tried to straight-up cancel this insurance but there's only one week every two years I'm allowed to make changes to my plan. Time to check with HR and see if it's coming up soon.