Making a health or dental care claim
When should I submit my claims?
In most cases, you must submit claims within 18 months of incurring an expense.
For expenses incurred out-of-country, if you did not contact Alliance Global Assistance at the time of emergency, you must submit claims within 30 days of returning home.
If your coverage ends, you have 90 days to submit any outstanding claims.
While it is recommended to submit most claims as quickly as possible, it is also helpful if you hold claims for medical expenses until they total $50 or more.
An eligible expense is deemed to be incurred on the date the service is received or on the date supplies are purchased or rented. For example, if you purchase and pay for new eyeglasses on December 15, but pick them up on January 7, the claim date is December 15.
Note: Some coverage has maximums per benefit year. The benefit year runs from January 1 to December 31 annually.
What is considered “proof of a claim”?
Proof of claims includes:
- itemized bills
- prescription receipts
- reports from doctors or hospitals
- hospital records
For any claims that are not submitted in hard-copy or through your provider, be sure to keep your receipts. Sun Life will randomly audit claim submission online so please keep your original receipts and supporting documentation for 12 months. If your claim is chosen for audit, Sun Life will ask you to mail the original receipt before processing your claim.
Claims for multi-appointment procedures
Claims for multiple appointment procedures (other than orthodontic) are paid after the procedure is completed.
You may claim after any orthodontic procedure, whether or not it is part of a series, or after any non-orthodontic procedure that requires only a single appointment.
Registering for mysunlife.ca
By registering for mysunlife.ca you’ll be able to:
- submit most claims for instant processing;
- sign up for to have claim payments deposited into your bank account within 24-48 hours;
- print an all-in-one coverage card for your wallet;
- print your personalized Pay-Direct Drug card
- send secure e-mail messages to Sun Life;
- print personalized claim forms;
- print your out-of-country medical emergency travel card;
- and more.
Register online in three easy steps (PDF).
Be sure to keep your password private and secure to prevent fraudulent claim submissions.
If you experience any problems registering online or have any questions, please contact the Sun Life Customer Care Centre at 1-800-361-6212.