Health insurance Reviews

Sun Life Health Insurance Reviews

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(155 reviews)
Sun Life
1.2 out of 5 stars:
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Pick any other company

by L on Oct 13, 2020
1 out of 5 stars

This is the worst insurance company I have ever dealt with in my entire life. The reviews could not be any more true, they make your life difficult and frustrate you to the point of tears so they don’t have to pay out for legit medical emergencies. When I follow up somehow the chat always “breaks” when I start to ask questions about my recent claims. These people should be ashamed of themselves.

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Honest Review

by AM on Sep 23, 2020
1 out of 5 stars

I've been with Sun Life for over 8 years ONLY because it is the only option my organization offers. If you have literally any other choice take it. They make it very difficult and confusing to make claims. I'm guessing they just hope people give up so they don't need to payout. The website requires 2 different access ID/certificates to get into and for some reason, my password is constantly reset (without my approval) or the account is locked and you need to call the phone line. The phone line connects you to the UK which can't access your info if you live elsewhere. They then transfer you to an automated line that has a ton of very vague options for you to choose from. You are then on hold for a long time (every time I've called) before you get to talk to a person. You are asked to confirm your identity and I think I have given every single bit of information I have... Only to be denied access because the email that the claims are sent to us different than the one I registered with. More to follow on this... I am covered by my company under a different medical plan. The "benefits" are for my family. Other than being the name on the plan I have literally nothing to do with it. I am away in remote locations multiple times a year and unable to access my Sun Life. All my claims are for my spouse or dependants. The only person who is able to access and approve the claims is me. I have asked and they will not let her access, change, make claims, or do anything on the account. Again, I could be gone up to 8mo a year. Without getting to personal, my spouse has had major life-changing surgery. The claims we make are very straight forward with lots of information (from doctors) to back it up. Sun Life fights tooth and nail with us on every claim. There is always a loophole or a fine print on why they can't pay it. Most of the claims can be submitted online... But if they decide it is questionable (all of them) then you need to physically mail in receipts etc. It's 2020, which is completely unnecessary and again just a deterrent. To summarize: - They deter members from making claims - will fight over every claim - customer service is atrocious - benefits are expensive and provide less than competitors - beneficiaries have no access whatsoever I would never recommend Sun Life to anyone and would switch in a heartbeat if I was able. Look elsewhere.

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Why people hate insurance

by Firsthand experience on Jan 8, 2020
1 out of 5 stars

I've been with Sun Life for 5 years never having to put through a claim. Once I had to put in a claim they made it the hardest thing I have ever had to do. Because I was submitting my claim documents after my policy had ended (allow for 90 days) they refused to take the documents by fax or email. The requested that I mail it in. This happened 3 times, each time they advised me that they never received my documents. After the 90 day period was over they told me that they declined my claim. Honestly, this is why people hate insurance. The lack of compassion and understanding by the representatives was pathetic. Many people consider insurance fraud as a victimless crime and I agree. For people to take money from you every month and refuse to pay a simple claim for eyeglasses is beyond pathetic.

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Scam Insurance Company

by ClassAction on Nov 5, 2019
1 out of 5 stars

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?"

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Avoid Like Plague

by Tony on Jul 20, 2019
1 out of 5 stars

They refused flat out to reimburse my claim without any reason. So I contacted their service department, who claimed that they needed "extra supporting documents", which was never mentioned during the claim process. Then when I pressed further she said that, oh we've had issues with this therapist in the past. For the record, I've had friends who went to the same therapist a few days prior and they never had issue with their insurance providers (one was using Blue Cross, another was with Great-West Life). And even after I submitted the documents they asked for, they still refused to reimburse me.

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stressful (Disability)

by jordan.b on Mar 13, 2019
1 out of 5 stars

Okay. Let's get things straight here, I would give a 0/5 for Sun Life in the disability sector. 3/5 to the group benefits. I have been off work due to what I have found out is bad ADHD and a myriad of anxiety disorders that I have been dealing with my whole life, and things have started to go extremely bad aka, almost suicide... I have been doing my due diligence with going to my appointments etc. waiting. Going to more appointments. Until I have finally gotten to see my psychiatrist today. When I first applied and got accepted for my disability claim. It took 3 weeks to get anything done. It took two weeks for my case manager to get a hold of me and confirm. Then after that. It took a week for my claim amount and dates to process. Then somehow a whole week to mail me a check... second time I applied for an extension. It took another 3 weeks to get any money. It is extremely difficult to get a hold of any case manager. As for some reason they aren't actually ever in their office. Why? I do not know. This is a benefits company. You are supposed to be helping people who are disabled or in need of help. These people need quick service. Not a lot of people have a whole months worth of savings to back themselves on to these days. May I mention, we also pay into this. So it is basically our money, to begin with, okay? So I have been diagnosed with bad ADHD and three other anxiety disorders along with a stress disorder. So my fiance and I were not able to pay rent due to 3-week delays, which happened twice now. I have been evaluated and strictly told to take 3 months off work for new medication and a strict plan ordered by the psychiatrist. I have left 4 messages in the last 3 days trying to get a hold of a case manager, to avoid the previous almost month-long delays. It is absolutely ridiculous, unprofessional and stressful. Sun Life financial should be stripped of their licenses and removed from the insurance business. People need money when they are not working. Unbelievably horrible service from this company and I am appalled my company uses them for their insurance and benefits. I could go on all day about the bad experiences I've had with Sun Life. But this will have to do. If someone high up in Sun Life reads this on some off chance. There needs to be some changes

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Medical insurance

by cloudbase on Feb 27, 2019
1 out of 5 stars

The company I was working for closed the business and all employees made redundant. This was in August 2018. Despite the claim being made in July 2018, the first contact to advise that no payment would be made was the end of February 2019! Denial of claim, then numerous calls and it took three calls to the call centre (offshore of course), and 10 days to get a call to advise no payment. Awful service! I was advised that as of mid-July 2018, due to administrative issues, all claims had been suspended. Why so long and so many calls/faxes/online claims to get the answer? 7 months is astoundingly poor service!

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Provide False Information.

by N.A on Feb 16, 2019
1 out of 5 stars

Each time I made a claim, I called before to ensure I was aware of how much I would be covered for vision, dental etc. I was told that 100% of my personal benefits would be covered in some cases, while others would be 80%, in accordance with my plan. I also made sure to check my mobile app and review the same information provided by the customer service line. Each time they reviewed my plan there was always less coverage and when I followed up with the claims, there was always an excuse as to why I wasn't given the full amount. Horrible service. Please do not invest your money.

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Waste of time

by cpedroza on Feb 1, 2019
1 out of 5 stars

I have had a few issues come up in the past month. My son has had issues that we had to get resolved, I was not informed that a specialist fee was not covered. I had a claim that was told they cover 100%, but now I'm paying almost 400 out of pocket. Fine, I agree if I didn't hear correctly I will admit my wrong, but they kept passing me by saying 3-5 business days, then another 2 business days etc.... I wanted to speak to a supervisor, supposedly they don't have those?! Okay, wasted my time. 5 minutes later Ty (the individual I was talking to) states, "ohh it says here they have reviewed it on the 25th and the correct information was provided to you." Okay, so if that is the case, why have I been talking to you for 18 minutes and you kept wanting to pass me off, why couldn't this be told to me on the 25th of January, or the second time I called on the 30th, or even at the beginning of this conversation? She then states she was just told she could disclose it now. Okay, by who?! A supervisor, I want to speak with one! Okay fine that is a lost cause, now I have another issue and again I have to wait another 2-5 business days.. like what is happening?! I'm losing money left, right and centre, I might as well just cancel the insurance and pay out of pocket.

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Simply Terrible

by Insurance Victim on Jan 29, 2019
1 out of 5 stars

These are your typical insurance crooks. They take a huge amount of money to 'cover your needs' but when you need to be covered, they treat you like a criminal. My child went unconscious and someone called an ambulance to have her rushed to the hospital. Long story short, my claim (which is 100% covered by my policy) was rejected 3 times because they didn't read the receipt properly and said there wasn't adequate information on my GOVERNMENT ISSUED receipt. Their story changes every time and now they tell me I have to handwrite the address of the hospital where she was rushed to and resubmit it for the fourth time. RIDICULOUS!!!

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