We have been paying over £75 a month for income protection and serious illness cover for 3 years. During this time my husband was diagnosed with an incurable disease in his spine which firstly made him have to leave work, and will eventually land him in a wheelchair. We tried to claim on our policy for firstly serious illness cover, but Vitality refused to pay out on the claim as they apparently do not recognise the disease. Despite providing all scans and documents from doctors and specialists specifying that this is life changing and incurable. Vitality do not see being wheelchair bound in your 40s as a serious problem. And when it came to having to leave work, the incredibly ignorant woman on the phone just said 'well you can do something else!'. Secondly, while he was out of work after going through the process of asking for reasonable adjustments at work first, we tried to claim for income protection. Income protection is sold by Vitality as a set monthly income which you receive if you are out of work for more than 3 months with a medical condition. Again, this claim was rejected. Each time we have submitted a claim the communication has been poor, it took three phone calls of chasing to receive the forms the second time and then it took them 3 months to even consider the claim, during this time they are collecting their extreme £75+ fee each month. It's a con, they are rude, inconsiderate and it appears that unless you have cancer they are not interested in helping and will find a loop hole to get out of paying up.