Sun Life Health Insurance Reviews

I have UHIP with Sun Life. Initially they say everything is covered 100% including doctor visits, but when you claim they decide what % you pay out of pocket all of a sudden. First, they never send you the health plan information packet, second, the out of pocket expense % is not mentioned anywhere. So you're basically lost, and they decide how much they pay for each claim. God knows how they calculate these percentages. Their customer reps can't even explain this. Poor service, and misleading info!

I have group benefits through my hospital..In Toronto/ Mississauga area. My goodness what a subpar provider Sun Life Insurance is. My wife and I did co-ordinated benefits for a pair of eyeglasses, and (Manulife) which is my wife's provider paid out their portion with no concerns. Not even one question. Sun Life did not pay out a cent.. they keep sending it around in circles to our Human Resources and then them... for eyeglasses.. no paymnet yet after 4 months.. I pay the benefits and they have not paid out one penny ..not one... when you need them.. for eye glasses... I have had Dejardin, Manulife , Equitable life and even Td Insurance.. and have been around 25 years in social services. Sun Life is the bottom of the barrel. If you are a company like a hospital, non profit agency,private or public company.. this should be the last choice you should make.. Do you want your employees to respect you.? Well then, don't choose Sun Life Insurance as your group provider... saving money does not always pay in the long run for your employee loyalty and or lost time for the HR dept in your agency..

Sincerely

Mike

The HR of my husband's company continuously tells SUN to pay her dental. And continually they refuse. If you do a search on Sun Life Financial, ALL they care about are their INVESTORS. So my kid gets to go around with rotten teeth to keep investors getting a return. I even wrote the president and VP and someone else there and they wrote back two pages of BS to me.

My wife & I are retired and had our health private health coverage with Sun Life. As of Feb 1, we switched to another company (very similar coverage and $96/month cheaper). I found a Sun Life cancellation form on a Sun Life site online, completed it and faxed it to the number given, I also put a stop on their automatic withdrawal at my bank effective Feb 1. They tried taking money out & were rejected. Meanwhile, my pharmacy screwed up & continued billing Sun Life in Feb until I found out about it & straightened it out with them. I emailed Sun Life's customer service department that looks after private health, explained what had happened and asked again that they cancel my policy. Today I got a letter saying they would take 2 payments out on March 1 to make up for the missed one. I called the number provided in the letter (as I don't want my credit to take a hit) to straighten it out. The young lady on the other end may as well be a robot. She asked if I got the welcome package when I signed up. I said I had. She said there is a toll-free number to call to cancel. I told her that I have a speech impediment (which should have been obvious to her anyways) and I sometimes find it hard to communicate over the phone. I told her how I found their cancellation form on their site and used that. She asked what phone number I faxed it to. I read it off to her and she says "that's not our number". I told her I can't be held responsible for bad information on their site! She kept going back to the phone number in the welcome package. We did this dance for 10 minutes until I asked to speak to a manager. She took my info and said they would get back in 24-48 hours. She said if they had covered any medicines during this time (which they did because of my pharmacy's screw up) then I would be libel for that month of coverage. I told her that was insane. I would happily pay back any amounts they had paid. My premiums are $323/month and they paid out a little over $100 for my medicines. I am not expecting anything from the manager other than what the robot told me. If I had the money to fight this I would on principal but since I don't and want to keep my credit score good I will probably pay the extortion demand.

I see so many complaints here and on other forums but clearly, they don't care. They do not want to pay their customers. Deny claims at any cost. Claimed for a pair of prescription glasses and they denied saying the seller we bought glasses from is barred and they expect us to know this. No notifications from their side considering I have an app and I received numerous notifications from them. After I complained they said it's not their fault it's the seller who is a fraud. Worst customer service. How can they blame the seller who is cheating us by not telling when they are doing the same thing.

I am dealing with insurance companies daily. Some insurance are better, some are worse. However, most are reasonable. Sun Life is not. Everything about Sun Life screams that they want to avoid paying claims at all costs. There is zero (0) customer service. Extremely poor quality in claim processing (Many mistakes) and 0 willingness to rectify anything. They seem to be reasonable on the sales end of things. But once you have a policy they basically do not exist.

This company is sneaky and does all sorts of avoidance games to not pay costs for health care, DO NOT invest with this company! Stress leave: When my short term stress leave ran out from employer's contribution, Sun Life kept putting off approving my long term stress leave for months, knowing full well I had no paycheques. They basically 'starve' you out for months, until you are forced to go back to work, even though you are not medically ready yet. Circumcision for my child: Sun Life told me they would cover the costs of circumcision for my child, so I got the procedure done for $1300.00. Then they denied the claim after I submitted the receipt. They will play the game of - "who told you that and on what date?"

Sunlife access my account without my authorization. This account is only for bills and I don't have an active account with Sunlife. After literally faxing 100 times without the fax going through, I was told best to send the proof through email. Had to call and be adamant that my complaint be look into. Received this email as a response. Hello, Thank you for your email. I was sorry to learn the payment was taken from your bank account in error and returned. This should not have happened. I have refunded the bank charge you incurred for $48.00. You should see this in your account within 2-5 business days. You will not see this payment taken from your account again. Please let me know if you have any questions. I ask for an explanation of how they got access to my account and how this happens, no response.

Got stuck with 300 dollar bills because of a hidden and vague disclaimer which apparently did not cover the procedure. Very sneaky.

It is the worst insurance company ever. I had to send them twice the copy of the receipt because they lost it. And still, I did not get the money I claimed back. Stay away from them.