Terrible experience with Vitality. When you call for a claim you are usually on hold for ages and then passed on to different services whom you have to repeat what you just said to the previous person! I had video consultation with a Vitality GP who referred me to a cardiologist but Vitality are still asking for a Conditional Information Request to be filled out by myself and my NHS GP (who wants to charge me £185 for it!). it is very complicated to make a claim. Might as well wait for an NHS appointment. I will soon move to AXA PPP or Bupa who are easier and quicker to deal with your issues.