Bupa or Vitality? BUPA! If anyone is considering medical insurance, I definitely recommend BUPA. (I used to have BUPA Insurance - now VITALITY) Why no recommend Vitality: - if you have a problem, e.g. anemia or chest pain, and you have a referral from your GP for a chest X-ray and blood test - they will not accept the referral from the GP and you have to go to a specialist? But the GP doesn't know which specialist to get a referral for a blood test? I have a problem that I have been coughing for 2 months, I have chest pain and Vitality tells me to go to the NHS GP and they do not want to accept the tests that the GP ordered for me during a face to face visit. BUPA has no such problems. They refer you for tests if your general practitioner recommends tests. - I had a referral from a Gynecologist for a breast examination. Unfortunately, a referral from a Gynecologist is not acceptable. It has to be a GP? Bupa does not have such problems. However, a Gynecologist is a specialist who also examines the breasts and may order an ultrasound or mammography? - Very bad experience.