Umbrella until it begins to rain. First time my wife tried to use the policy for a potentially cancerous diagnosis scan she was told she would have to wait for the results of her NHS scan which was scheduled 10 weeks later. When this was raised with Vitality their response was: "we do not support with primary care referrals. Being referred for a scan that is not under the care of a consultant falls under the primary care bracket, following that scan if there is anything that the GP wishes to refer you then from that moment it is then secondary care where we can then look to support you from"