I am covered by Vitality through my work and contacted them earlier this year regarding some health issues that I would have to wait months for via the NHS, and asked if they could recommend a specialist or help with cover if I did have to go private. They suggested some consultants for me to visit and assured me that my initial visit would be covered by my claim, so I accepted visiting one of these consultants. My visit lasted no longer than 15 minutes and they couldn't really help, and I've ended up being charged over £150 for this. It's my excess, Vitality have said. Not happy that I've been charged to see someone who has done less than my GP. I won't be claiming via Vitality in future and will be asking my company if they can sign me up to another health insurance company.