Utterly atrocious!! Do not waste your money on a policy with vitality. They are the worst health insurance provider on the market. When you sign up they sell the idea that they make it easy to make a claim, it can be done through their online free GP service, which isn’t true, even if you have a referral from your NHS GP they pick holes in that and you end up in a back and forth between them and the GP trying to satisfy their extensive list of reasons not to approve the claim. It takes so long you may as well wait for the NHS appointment and save yourself the money!