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Review of the Plum, Savings Account:

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Enabled me to save when I couldn't

We've been going through some tough financial times a few years ago and were unable to put any savings away. Someone mentioned Plum in a Facebook post so I looked into it and signed up. A year later I had a thousand pounds in savings. As a bonus I had options to earn interest in savings plans or investments, I could split percentages of my future savings automatically into savings, low risk and/or high risk investments. Plum made it possible for me to start saving and work on a nest egg, when I could not see past the next bill. Reviewed on: 16th February 2023

Review of the Vitality, Health Insurance:

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It's a scam

Looking at what's on my membership plan, you just have to say wow! What a package.. then reality strikes, you try to use their services, your benefits. Book an online appointment with a GP... the quickest appointment is a couple of days from now. Book a face to face... well only if you are in London or surround area. Try to make use of their hospital benefit to get transferred to a Vitality room or hospital, fill in a claim form and wait 5+ waiting days... by which time you are most likely out of hospital. We'll cover 100% of your dental costs... no they will cover 100% of the time at 20% of the costs. The list goes on. The website is confusing to use (intentionally so), the auto attend when you call in is even worse. It steers you away from asking for help. I suspect if you have a long term predictable condition and are patient you will get some benefit... but remember, they won't cover that pre-existing long term condition for a couple of years. So the only way to benefit out of this is if you develop a long term condition after joining them and persistence. You might get something out of it. You call them for help, go from department to department, then eventually... we are putting you through to another department but I will also schedule a call back in case you are disconnected: It's a long wait time. How long will it take for them to call you back... a couple of days. There is no urgency, no help. Their promises are carefully worded so that you can't make use of it. Reviewed on: 21st November 2022

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