I mentioned the Vitality deal to my financial adviser and she laughed her socks off. They only ‘give’ them away because their policies are so ridiculously expensive. The only group of people she recommends their policies for are squaddies because they’re one of the few companies who will insure them.
If you’re very active, the watch deal brings their cost down to just expensive but if for any reason you stop being very active, you get raped by the cost of the policy.
Consult a proper independent financial advisor before you sign up for a Vitality policy.