Manulife Group Benefits Insurance Reviews

This company is so bad at processing your group benefits claims. Sometimes just reject your claims with simple reason "your plan does not cover this service", but actually this service is covered under my plan, and I couldn't see any reason that they can make this mistake except they just don't want to reimburse you, and sometimes the claim amount is even in hundreds or thousands. This kind of behavior is worse than robbery or stealing, as they can easily get off without any penalties.
Employers or individuals who are looking for benefit insurance, keep away from this company.

Whenever you need them, they will let you down. They terminate your benefits while you’re still undergoing cancer treatment.

We’ve been dealing with Manulife for about 12 years. I couldn’t hate them more. Occasionally a claim goes through without any issues, but it’s the exception. Every time I have to call Manulife it’s the same run around, they resubmit, and I never hear anything again. It takes multiple calls, and it often has to be resubmitted on their end more than once. I dread every single call I have to make, it’s like everything is automatically rubber-stamped no.

Every claim has been a battle since joining the new plan 8 months ago, culminating in them refusing an estimate for a partial plate, due to the teeth not being removed while under the plan! 2.5 months, and two letters to approve compression stockings!

For a total $165 massage, I was only covered $84. Their "reasonable rates" for ON is the cheapest in Canada (which doesn't make any sense) at $106/hour so they only covered 50% of the total cost. That is an absolute joke - very very disappointed in their service.

Pseudo “Medical Experts” at Manulife, likely offshore, will decide if a procedure is medically necessary, even though Ontario medical specialists you have visited deem the procedure to be medically necessary.

Not pleased on how they handle their customer services.
Their app is so limited. You still have to go on website to access a lot of their services and it is not friendly user as well.

I have group benefits with Manulife. In the benefits I'm provided with 12 occurrences at 100% coverage for RMT visits. I've recently injured my back and booken an RMT appointment which was $95.00 with taxes for the initial visit. I submitted my claim through Manulife's app foe the $95.00. I was only reimbursed with $40.00 since $40.00 was what is "deemed reasonable" for the appointment. The average cost for an initial RMT visit in my area is $100.00. It would be reasonable to take an average of these costs in my area to come up with the reimbursement cost. It's funny because 4 years ago $40.00 was the threshold for what was deemed reasonable. They don't update their covering costs and rip off companies who opt for group benefits with them. I would never recommend Manulife to anyone.

Manulife is the most frustrating company I have ever had to deal with.
I asked before enrollment what are the eligible expenses under our PSA. I was told financial services was included. I called again to ask exactly what financial services were included. I was told X was included.
I submit a claim for X and it was denied. I call back 3 times and resubmitting things until I find out X is not covered but Y is. I submit a claim for Y. It also doesn't go through. I call to ask why.
The service rep tells me only dental services are covered. I said that doesn't make sense. I do some digging and it turns out Financial services was completely taken off. What's going on?
I pointed out it seems Manulife is playing around and changing things. She said they don't do that. Right.
Their services reps are clueless. Their claims department deny everything. There's no consistency. The website has no email contact option. While waiting for their call centre they can suddenly put me on a silent line that never gets picked up.
Stressful and absolutely terrible.

Horrible experience and I wish my employer had other health insurance options. I work as a nurse and my plan has a 450$ limit per year for massage therapy but then when I submitted a claim for 110$, they decided to reimburse me only for 106$ after multiple submission and finally I had to call them for that. The reason was that’s what the company deems reasonable. I wish, I could determine how they charge but that’s beyond my control. There is no mention of that in their mobile app. And I know my other friends whose insurance doesn’t even require a note for a massage therapy in the same work sector. So much for transparency and quality