Manulife Health Insurance Reviews

Terrible terrible terrible... I don't know how these guys still exist! Only employers who want to pay the cheapest premium choose these guys because their service is the worst. I really hope my employer will move to somewere else. Does Manulife determine what medicine I should take? Are you my family doctor or insurance provider?

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.

Through my work group insurance I have dealt with many companies over the years...Blue Cross...you name it...but these guys are the absolute worst. They turn down claims based on a few dollars and expect the client to pay hundreds because they'll save 20. Not good enough when you are paying these people 40 or 50 dollars a week for coverage that you have no say in. It's just so unfair and disheartening to see a big company like this treat their clients like this. I would never recommend this company. Ever.

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.

This is the worst company I have ever dealt with. They put a clause in the insurance because I said that I had a sore right arm blocking any medication that could be used to heal this that means no pain killers no antiinflamatories. So basically all Im covered for is antibiotics. If you want your money back because it is something that is not related then you have to fill out a bunch forms gather your reciepts and get a letter from your doctor. They work on the idea that most people who can afford these policies that it is not worth your time to do this.

Don't expect them to give value for the money. Nor expect them to be truthful - they say one thing and them deliver another. Also their customer service personnel either don't know anything or they are just playing dumb - stalling you hoping you'll give up and stop trying. Sold the stock - telling every body about how shitty Manulife really is.

Our daughter has a heart murmur for which she has never received any treatment or medical intervention. Manulife has only recently allowed our her two siblings to be covered on our group insurance plan, after a full year of waiting. We have had to jump through all sorts of hoops and still our daughter, who doesn't even have to take antibiotics when she visits the dentist, is not a recipient of our family's benefits.

When I do contact Manulife they try to imply that they have no record of my husband's policy, because they never include his certificate number on any correspondence that we've received. I'm curious as to how they suppose that I'm receiving correspondence from them, because they certainly seem to have at least our address! I am very unimpressed with this company and their lack of desire to help.

He/she put me on hold for about 15 minutes and when they came to say they couldn't help me, the customer service representative, (admittedly I was angry by this point), pretended that he/she couldn't hear me. I demanded their name, and they simply continued to pretend that they couldn't hear me. I demanded to speak to a manager, and they continued the game of not being able to hear me....even fading their voice so that maybe I might think that the connection was fading out. I hung up and phoned back and guess what? The customer service rep that I got this time, could hear me just fine! And she was able to help me, quickly, I might add!

I get it, it's not fun to deal with an angry and frustrated customer and I was hopping mad, but just pass me off to management rather than implying that I don't know what I'm talking about or playing games with me!

Sadly the experiences that I've had when I've had to contact Manulife have more closely resembled my encounter with the fading out customer service rep rather than the lady who I later spoke with.

I just want our daughter, who is eight and as healthy as a horse to be taken care of! It's been over a year of waiting!

This company makes it difficult for you to claim anything, even if you have fulfilled all terms and conditions. My claim got rejected because I did not submit an "itemized receipt" despite the fact that this was submitted. They must have not been reading or they lost the document and decided to put the blame on the customer.

Trying to get a claim through and have submitted numerous tickets to which they reply that I need to speak to an agent. I have tried over a dozen times to reach an agent and after going through the tree and being on hold for about 15 mins, the line cuts out. Still no response from online submissions. Brutal!

When submitting an extended medical claim, unless your service provider is on their teeny tiny list of pre-approved providers, expect to wait 2-3 weeks for reimbursement of your claim, not the 5 days they advertise. Their reimbursement amounts also do not change with inflation meaning coverage is poor. Oddly enough, they also have some items (ex: massage) that have an annual maximum AND a visit maximum (far below the service cost). This makes no sense. It should be one or the other. Also, don't bother sending a message using their messaging system. A representative will reply with something generic that completely ignores your question/concern. They email you from a "no-reply" email address so you can't even respond. This insurance company is a joke. AVOID