Sun Life Health Insurance Reviews

I am paying for the highest health insurance plan they have since year one and for the first time I sent my drugs invoices to claim department, which is a basic medication for regular hypertension, but they say that my drugs list is not covered, why? No answer, only told me to contact my area agent, I called him and briefly, he told me that it's not his responsibility!!

I only have Sun Life because of the company I work for. I submitted a few claims since November last year and EVERY SINGLE ONE OF THEM had a problem with the processing. I had all the backup documentation, everything properly done and still, there were errors with the processing. I'd NEVER recommend Sun Life to anyone. Stay away from them, if you want to keep your sanity!

Been trying to get a claim estimate completed but Sun Life is being stubborn about fulfilling it because they put a stipulation in policy saying only 1 claim per 2 years. I did not use the full portion of the benefits and they are refusing to let me use the remaining portion. No wonder providers charge full amount of your benefits and drive rates up because they know places like this have this stupid rule.

The worst insurance I have ever encountered myself with, the only reason why I am with them is because my company is with them and between my spouse and myself I am the only one who can get benefits. Usually when you hand in a statement of your expenses, you expect them to pay without any hesitation, but no I had been given the round around of having to provide documents of proof that I have a doctor's approval then having to wait a week after in order to get my money, then having to hand in another statement of the same treatment and being told I need to provide proof when clearly they don't bother checking their system that I already handed that in, like what in the world now waiting another week to get my money back, and all I get is "sorry, sorry" over the phone. THIS IS THE WORST INSURANCE I HAVE EVER DEALT WITH!!! HEADS UP DON'T CHOOSE SUN LIFE!!!

The staff is the worst. I do not even know how they are working there. When I called them, they only said, wait.. They let you waiting on the phone for long, then they are back and I was told I will pass to the case manager. I have been waiting for a dental disbursement for more than 3 months and so far nothing. I got a call from the "supervisor" - such poor communication. It was hard to understand what he was saying. I called one of the customer service and play the message for him..the customer service just jump to ask..what can I do for you...Don't give the money to this company...for me because I have no choice my workplace is the one paying for the benefit...Don't give money to these people who doesn't care.

Avoid this company!! The wordings in their insurance terms is the worst I've ever seen, most misleading and doesn't make sense.

So dissatisfied with the way your company made the contract with mine. Why would you allow everyone, but a spouse to be able to use certain benefits? Why wouldn't you allow the benefits I get, to be used for both myself and my spouse? Instead, we have to use money we cannot afford to use to pay for what is important in everyday life. Not everyone is rich and many people, especially the poor, count on these benefits for everyday use. I'm so upset that this is allow this to happen to those with disorders when they need help the most. Rich get richer and the poor get poorer. So disappointed with you guys!

For extended benefits, sun life's policy seems to be to drag out your claims until their claim limits are reached or they found any reason to exclude coverage. Three times I sent in information with different reasons for denial. I terminated my policy with them and submitted a claim. After not being paid I found out they were requesting a referral for medical claims (which BTW we had sent in before, but their policy is you need to send in every 12 months. Most other companies I have dealt with do not require this even once). They sent this information in and I was told that the claim period had ended. I don't understand how this company can deny money entitled to you because you have exceeded their policy periods. They have no problem taking in your monthly payments but do anything to exclude paying out. I agree with other posts as to how anyone can work for this company. They must be paid commisions on how little they pay out for claims.

This is not the first time I've ever encountered such rude, impatient, and highly sarcastic customer service representative at Sun Life. I call them most of the time because it's part of my job working at a practitioner's office, and I'm in so much shock to find out how awful their customer representatives are. Such a disgrace to the company. Maybe the HR department should have a better standard of hiring customer service reps. 'Cause these guys they hired aren't helpful at all and in fact, frustrate people more because of their unacceptable attitude.