Sun Life Health Insurance Reviews

I made a claim to Sun Life since last August. We are now in April and I problably talked to one of their representants 3 or 4 times at most. The rest of the time, I was talking to answering machines and nothing else. And when they do answer your call, it is to tell you nothing else but lies and excuses for refusing to pay you. From what they told me, they can change their reglementations whenever they feel like it. Even their superintendant won't answer the phone! All they do is changing representant to make you feel they care... but it all comes down to a restart with no end. I truly am hoping my company will change insurance company. I am fedup being forced to give my money to those crooks!

I have health plan coverage through the Public Service Health Care Plan (Canada) and will say it's the worst customer service I have ever experienced with any professional service company ever. It's as if they deliberatly attempt to frustrate the customer to make you give up. The phone advisors are more often condescending and rude than they are helpful, and the online secure messaging and inability to communicate by email makes the whole system as slow as molasses. I have come to despise Sun Life and will never, ever willingly use them for anything ever again as long as I live.

8 months now on my new job and still don't have life insurance coverage! They keep calling to tell me I'm missing "something" to finish processing my application but they cant' tell me what's missing. The sub-contractor they sent to do my physical lost some of my paperwork so they denied my coverage. Now I'm being denied due to "non-response". When I call to ask what I'm supposed to respond to, and I quote "Sir, we don't know". They denied coverage for my wife for a "medical condition", but they can't tell me what it is. She has only had a couple surgeries on her feet........ HR is trying to help but there is only so much they can do. I give up. I'm just going to tell HR to cancel my application with Sun Life so I can just go get private life insurance. It'll cost the same but I'll have much better service. Not a grain of intelligence can be claimed by any of the agents working at Sun Life! Anyone that rates better than 1 star obviously hasn't had to deal with them in any capacity yet - but you'll soon find out and be back here re-posting a new review.

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 title said it all. I dealt with blue cross, manulife, equitable health and great west life. None of them was as painful as Sun Life! I agree with someone here that their mission seems to be to dissuade you from claiming. I submitted acupuncture claims in Dec, they wanted to see receipts, I mailed in receipts, then they wanted to see the hour and time for the appointment. I trekked back to the accupuncture office to get it for them. Now they wanted my diagnostic notes? What the heck? Is that legal? And can't they asked for all information at once? Two months after submitting and still no payments for my care!!! What kind of health care is this? Piss me off more than providing for care. By the way, they are also the first crappy insurance requiring massage therapist to have freaking 2200hrs! Ridiculous. I just pray and pray my company switch toANY company but Sun Life! I refused to buy any life or critical insurance under them. If they made a couple hundred dollars acupuncture claims to be so difficult. Think of what they will try to do to your life insurance or critical insurance when you needed them most! I would not want to put my love one in a situation having to deal with them.
Their 5 days turn around is also full of bs.

My company switch from Claim Secure to Sun Life and for a while all was fine but then in September I had an accident while traveling and they have denied my claim for hospital and operation costs. Continuous fight with them and Europe Assistance. Still no reimbursement and feel it will have to end up in the hands of a lawyer.
Also since December any claims for prescriptions or physio are delayed and I cannot get any straight answers from agents or supervisors who say they will call me back and they don't.

I have a group benefit insurance from work. All claims went through without any problem until now. I decided to call customer service to find out what happened. Took me 30 minutes wait and when someone answered, I was told that the claim is still being investigated (which of course I already know - if the claim went through I wouldn't have called ! ) hence I have to call back in a week. I signed up for an online account last week, was given access ID, but have to wait for password or the account can't be activated (which is another unnecessary delay. I activated my account here in less than 2 minutes after I signed up. Same goes with all of my accounts online, except Sun Life account). I called again but after 20 minutes wait, I knew that 30 minutes wait will never get any shorter. If I ever needed additional insurance, I wouldn't go with Sun Life. it's the only company that makes it so inconvenient both by phone and online. if they are mostly not available by phone, at least it should be much faster and easier online.

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.

Their website is low maintenance. You need to call over and over and waste time talking to customer people about the account activation! Always issues with login. Member ID doesn't work; username doesn't work, the password doesn't work... It's always something that "doesn't work''. It's a trick as they don't want you to claim medical expenses. I am cancelling their service! Bye scammers! The worst insurance company ever!