Lots of perks easy to understand great app

Absolute shambles, scamming company. Paying for income protection policy on a one month deferral, and refused to pay out after an accident on a small,... Absolute shambles, scamming company. Paying for income protection policy on a one month deferral, and refused to pay out after an accident on a small, unrelated technicality. But took 8 MONTHS to officially arrive at that decision when they knew from the beginning they weren't going to pay. Deliberately leaving me without any income protection for all of that time whilst expecting me to keep paying my premiums. Customer service worse than useless, constantly fobbed off with excuses, promised with callbacks which never happened, and on two occasions they lost documents I sent over with personal information on. AVOID LIKE THE PLAGUE! Read more Read less

I'm writing this review to warn others about Vitality Life's shocking treatment of genuine claims. What happened to us demonstrates how insurance companies can leave... I'm writing this review to warn others about Vitality Life's shocking treatment of genuine claims. What happened to us demonstrates how insurance companies can leave you in the lurch when you're already dealing with a serious health crisis. My partner and I took out joint life and critical illness cover with Vitality in March 2023. Shortly after, I was diagnosed with multiple sclerosis and submitted a claim. This should have been straightforward - MS is clearly covered under critical illness policies. Instead of supporting us during an incredibly difficult time, Vitality: -Took 9 months to assess the claim -Declined it, claiming "careless misrepresentation" -Argued I should have disclosed eye pain from December 2022 (3 months before the policy) -This is despite having NO formal diagnosis until after the policy started Vitality's argument was that "eye pain" equals "blurred or double vision" on their application form. Even though: -I answered honestly based on my understanding at the time -I had no formal diagnosis when I applied -My GP confirmed no optic neuritis diagnosis before the policy commenced After dragging us through months of stress whilst dealing with MS: -Offered a "revised" policy excluding MS (the very condition I need coverage for) -No refund of premiums despite their misleading application process -2 years worth of premiums kept by Vitality for coverage I apparently "wasn't entitled to" This isn't about fraud or deliberate deception. This is about: -Ambiguous application questions designed to create loopholes -Aggressive claim investigation looking for any excuse to decline -Leaving customers distressed when they're already dealing with serious illness -Taking premiums for coverage they never intended to honour The Financial Ombudsman agreed Vitality could decline the claim on a technicality, whilst acknowledging I genuinely thought I'd answered correctly. This shows how the system is stacked against consumers. Vitality took our money, declined our claim on a technicality, and offered us "revised" coverage that excludes the very condition we need protection from. When you're paying for insurance, you expect protection when the worst happens. Instead, Vitality treated us like mud and left us with nothing but bother during an already stressful time. Avoid. They are not on the consumer's side. Just look at their Google Reviews and you'll see as many negatives as positives. Read more Read less

Scam - avoid at all times! You cannot get any treatment as it is gatekept to the insane degree so you'd give up phoning and... Scam - avoid at all times! You cannot get any treatment as it is gatekept to the insane degree so you'd give up phoning and signing forms including with your NHS GP. Read more Read less

Appalling claims process and administration. An absolute communication disaster, who on earth gets paid to run an organisation like that? Why have an app iof you never update it?

Absolute shambles of a company consistently never call back as promised they have no concept of customer care or service They even asked me to... Absolute shambles of a company consistently never call back as promised they have no concept of customer care or service They even asked me to forge documents yes seriously.Management told me it was a misunderstanding. You could not make it up Read more Read less

Terrible customer service. No one has any idea what is going on. I've been in an endless back and forth loop for 6 weeks with... Terrible customer service. No one has any idea what is going on. I've been in an endless back and forth loop for 6 weeks with Vitality and my GP trying to get my daughter seen. Vitality fail to hold up their end of the bargain and it is clear to me they are doing everything they can to stop us being seen. Our GP has asked for my daughter to see a Pediatric specialist as she has blurred vision and recurrent bouts of vomiting with no explanation and today we've been told this is not covered because my daughter once had a stomach bug! Read more Read less

Private insurance is there to be seen immediately. Vitality did not have adequate dermatologists to be seen for my daughter within a week. Not only... Private insurance is there to be seen immediately. Vitality did not have adequate dermatologists to be seen for my daughter within a week. Not only that , they failed to advise that we could book the appt ahead of ensuring the claim had been accepted. Terry White is an awful complaints officer and should work for the Local Authority as his empathy , understanding and support t during difficult times and systematic failures of vitality is like he is not paid by a company but by the state. Read more Read less

Poor customer service. The agents are friendly and try and help. but then the systems are updated, but this is not reflected in the online... Poor customer service. The agents are friendly and try and help. but then the systems are updated, but this is not reflected in the online portal, so you have to call again. Long story short, after 4 weeks of trying to get support, I found out I was wrongly supported, and in fact can not be helped, so not only is my issue exacerbated my the messing around, but I'm in a worse mental and financial position. very disappointed. If you want free coffees and a apple watch great, go for it, if you want health cover I would recommend going somewhere else, my last company used AXA, who were leads above vitality. Read more Read less