Manulife Health Insurance Reviews

I almost got taken by Manulife. Don't use them for health care and dental care insurance until you know exactly what you are getting into. They don't tell you everything until the money is actually taken out of your account which is what happened to me a few days ago.
I immediately cancelled my contract as soon as I discovered how they actually operate. I'll be more vigilant next time. Just because I set up a pre-authorized plan before I even received the contract in the mail, did not mean that Manulife can do what they want. I was actually billed 249.02 CAD which was never discussed on the phone or even mentioned on their website. If I could, I would give a 0 rating.

Manulife doesn't even deserve one star. The worst customer service. I have to call and email multiple times just to get an answer to a simple question.

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.

I chose the best package they offered... not because I needed it, but to make sure if needed it would be there and I wouldn't have to worry about it. Six months in they substantially reduced the coverage and substantially increased the price, without a single claim being submitted. Not recommended.

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

Client services cannot provide accurate information. I spoke to at least 5 representatives and each gave me a different answer. Twice I was told that a Supervisor would call me back. No call.
My emails were never answered. Even though it was confirmed to me that my claim was covered under my policy, it was rejected when I requested a refund. All I can say is that I'm glad that I was not trying to get information about a serious illness. I would have never had the strength to deal with this. The good thing is that I now know that I can no longer trust any information provided by client services. I am currently shopping for new insurance.

They have too many untrained new employees that do not know what they are doing yet. Several agents promised to call back within 3 days. NONE did and some did not even make notes that they had talked to me. 8 calls and 4 emails, escalated to get issues answered. In August they increased their rates than in January they reduced the benefits allowed... Not cool.

Too bad we can't state Zero stars! Supplied all information provided by Provincial Health Services and Manulife refuses payment due to "insufficient detail". All details possible were itemized on the invoice that they received. Every time I call back to try to get this revisited the person who answers the phone tries to claim they don't have the paperwork that I sent. I will continue to call and escalate - all the way to OLHI if required.

I submitted a claim for an initial physiotherapy appointment. The claim was rejected and I was asked to provide a doctor’s referral. I obtained a new referral and resubmitted the claim.

My physiotherapy claim was rejected a second time as the body part needs to be specified on the doctor’s referral. Why when I called in to see why the claim was not processed the first time was I not told that the doctor’s referral also needed to reference the body part.

It appears to me that Manulife is doing everything it can to delay paying valid claims.

As soon as my membership ran out they started back charging me on payments that had been processed over a year ago. I guess they decided that counselling isn't covered all of a sudden. Do not do business with this company, they will try to screw you over.