Having moved from other provider to vitality I got excited about it looking at all the benefits etc. Only to then start using the service. Wow the service is so bad it’s unreal. I’m confident that by the time I get a response back from vitality that they will pay for my pyhsio I probably would have gotten my arm back to full health having paid all the money myself. If anyone is considering vitality as a health insurance choice do not even consider it. It’s been over a month now and I’m still waiting despite even filing a complaint. Absolutely bloody totally utterly useless company. You will be treated to hours of waiting on hold as well. Highly unprofessional company, no customer service, they will just focus on doing everything they can not to pay for your treatment. Cigna was incredible company and gutted they left the UK.