HCF

HCF — The Hospitals Contribution Fund of Australia Limited (ABN 68 000 026 746, AFSL 241 414), founded in 1932 and headquartered in Sydney — is Australia's largest not-for-profit health fund, covering over 2 million members. It underwrites private health insurance (hospital, extras and ambulance cover) and Overseas Visitors Health Cover, and distributes life and Recover Cover products (life protect, income protect, critical illness), travel, pet, home, car and landlord insurance, plus the Flip accidental-injury brand, alongside its own HCF dental and eyecare centres and the HCF Research Foundation. As a carrier in Australian private health insurance, HCF publishes NO public, self-serve developer API and no developer portal: probes of developer.hcf.com.au, developers.hcf.com.au and docs.hcf.com.au do not resolve, and /developers, /developer, /api-docs, /partners and /integrations on www.hcf.com.au all return 404. Member and provider integration runs through channels HCF does not itself expose as an API — point-of-service extras claiming over third-party HICAPS VX, HICAPS Trinity and CommBank Smart Health terminals, Medicare Benefit Statements for medical gap claims, the My Membership app and online member services behind an Okta-backed sign-in at id.hcf.com.au, and four login-gated ASP.NET provider portals (hospital, medical, dental and ancillary) at www.hcf.com.au/provider-portals which are web applications rather than machine interfaces. The only machine-readable surface HCF answers on is that Okta tenant's OIDC and RFC 8414 discovery metadata, captured in this record. No ACORD reference of any kind appears on the site, which is consistent with private health insurance sitting outside the general-insurance ACORD/AL3 world, and Australia's Consumer Data Right — designated for general insurance and then deferred — never reached health insurance at all. The record here is deliberately an honest stub: this is a partner-gated, no-public-API carrier.

HCF is profiled on the APIs.io network. Tagged areas include Insurance, Australia, Health Insurance, Life Insurance, and Travel Insurance.

HCF’s developer surface includes authentication, support, YouTube channel, engineering blog, and 31 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

22.3/100 emerging ▬ flat Agent 18/100 agent aware Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessPartner gated

0 APIs

Insurance Australia Health Insurance Life Insurance Travel Insurance Pet Insurance Carrier Not-for-profit ClaimsMember Services

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 22.3/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 3.2 / 17

Access Clarity 6.0 / 17

Operational Transparency 0.0 / 11

Contract Governance 1.9 / 10

Discoverability 4.7 / 9

Regulatory Posture 6.2 / 15

Agent readiness — 18/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

9 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 19.0 — up to +16.2 composite points
Operational Transparency scores 0.0 — up to +13.0 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/hcf/apis.yml: open an issue on github.com/api-evangelist/hcf to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Veterinary & Pet Care	undeclared	-	-	-
Australia AFS, Credit and ADI Registers (ASIC + APRA licensing)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Dynamic Client Registration

measured — observed by APIs.io (published)

HCF API pricing

Pricing Plans 1

Published pricing tiers and plan structures.

Hcf Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Hcf Rate Limits

0 limits

RATE LIMITS

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Hcf Authentication

oauth2/openIdConnect · 2 schemes

SECURITY

Hcf Domain Security

TLSv1.3 · DMARC

SECURITY

Hcf Trust Center

trust center published

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Hcf Scopes

83 scopes · authorizationCode/clientCredentials

83 scopes

SCOPES

Resources

Get Started 2

Portal, sign-up, and the first successful call

ProviderPortal

ProviderPortal

Login

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Build 1

SDKs, sample code, and the tooling you integrate with

CodeOfConduct

CodeOfConduct

Access & Security 7

Authentication, authorization, and security posture

OAuthAuthorizationServer

OAuthAuthorizationServer

Authentication

OAuthScopes

DomainSecurity

TrustCenter

InformationSecurity

InformationSecurity

TrustCenter

TrustCenter

Scroll for all 7

Learn 1

Tutorials, courses, talks, and written guidance

YouTube

YouTube

Operate 3

Status, limits, changes, and where to get help

ContactUs

ContactUs

Support

Support

HelpCenter

HelpCenter

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 7

The organization behind the API

Website

Website

About

About

Careers

Careers

LinkedIn

Facebook

Facebook

Blog

Blog

PressRoom

PressRoom

Scroll for all 7

Other 9

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

OpenIDConfiguration

CustomerService

Feedback

Sustainability

Forms

AnnualReport

OpenIDConfiguration

OpenIDConfiguration

Scroll for all 9

Source (apis.yml)

aid: hcf
url: https://raw.githubusercontent.com/api-evangelist/hcf/refs/heads/main/apis.yml
name: HCF
kind: company
description: 'HCF — The Hospitals Contribution Fund of Australia Limited (ABN 68 000 026 746, AFSL 241 414), founded in 1932
  and headquartered in Sydney — is Australia''s largest not-for-profit health fund, covering over 2 million members. It underwrites
  private health insurance (hospital, extras and ambulance cover) and Overseas Visitors Health Cover, and distributes life
  and Recover Cover products (life protect, income protect, critical illness), travel, pet, home, car and landlord insurance,
  plus the Flip accidental-injury brand, alongside its own HCF dental and eyecare centres and the HCF Research Foundation.
  As a carrier in Australian private health insurance, HCF publishes NO public, self-serve developer API and no developer
  portal: probes of developer.hcf.com.au, developers.hcf.com.au and docs.hcf.com.au do not resolve, and /developers, /developer,
  /api-docs, /partners and /integrations on www.hcf.com.au all return 404. Member and provider integration runs through channels
  HCF does not itself expose as an API — point-of-service extras claiming over third-party HICAPS VX, HICAPS Trinity and CommBank
  Smart Health terminals, Medicare Benefit Statements for medical gap claims, the My Membership app and online member services
  behind an Okta-backed sign-in at id.hcf.com.au, and four login-gated ASP.NET provider portals (hospital, medical, dental
  and ancillary) at www.hcf.com.au/provider-portals which are web applications rather than machine interfaces. The only machine-readable
  surface HCF answers on is that Okta tenant''s OIDC and RFC 8414 discovery metadata, captured in this record. No ACORD reference
  of any kind appears on the site, which is consistent with private health insurance sitting outside the general-insurance
  ACORD/AL3 world, and Australia''s Consumer Data Right — designated for general insurance and then deferred — never reached
  health insurance at all. The record here is deliberately an honest stub: this is a partner-gated, no-public-API carrier.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  gated: partner
  gated_source:
  - tag:Partner Gated
  label: Unknown
  confidence: low
  probe_state: covered
  source:
  - authentication
  - scopes
  - security
  generated: '2026-11-06'
  method: derived
image: https://www.hcf.com.au/content/dam/hcf/images/placeholder/logo_hcf1.png
tags:
- Insurance
- Australia
- Health Insurance
- Life Insurance
- Travel Insurance
- Pet Insurance
- Carrier
- Not-for-profit
- Claims
- Member Services
tags_raw:
- Insurance
- Australia
- Health Insurance
- Life Insurance
- Travel Insurance
- Pet Insurance
- Carrier
- Not-for-Profit
- Claims
- Member Services
created: '2026-07-25'
modified: '2026-10-21'
specificationVersion: '0.23'
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
common:
- type: Hosts
  url: hosts/hcf-hosts.yml
- type: Vendors
  url: vendors/hcf-vendors.yml
- type: WellKnown
  name: /.well-known discovery probe matrix
  url: well-known/hcf-well-known.yml
- type: OpenIDConfiguration
  name: Okta OIDC discovery document (member sign-in)
  url: well-known/hcf-openid-configuration.json
- type: OAuthAuthorizationServer
  name: RFC 8414 authorization server metadata
  url: well-known/hcf-oauth-authorization-server.json
- type: Authentication
  name: Identity and authentication profile
  url: authentication/hcf-authentication.yml
- type: OAuthScopes
  name: OIDC and Okta org scopes (no HCF product scopes)
  url: scopes/hcf-scopes.yml
- type: Conformance
  name: Standards conformance posture
  url: conformance/hcf-conformance.yml
- type: DomainSecurity
  url: security/hcf-domain-security.yml
- type: TrustCenter
  name: Trust centre artifact
  url: security/hcf-trust-center.yml
- type: LLMsTxt
  name: llms.txt for HCF
  url: llms/hcf-llms.txt
- type: Website
  url: https://www.hcf.com.au/
- type: About
  url: https://www.hcf.com.au/about-us
- type: ContactUs
  url: https://www.hcf.com.au/contact-us
- type: Support
  url: https://www.hcf.com.au/about-hcf/help-hub
- type: HelpCenter
  url: https://www.hcf.com.au/about-hcf/help-hub
- type: CustomerService
  url: https://www.hcf.com.au/about-us/about-HCF/customer-service
- type: Feedback
  url: https://www.hcf.com.au/complaints-feedback
- type: ProviderPortal
  name: HCF provider portals (login-gated, not APIs)
  url: https://www.hcf.com.au/provider-portals/
- type: InformationSecurity
  url: https://www.hcf.com.au/about-us/about-HCF/information-security
- type: CodeOfConduct
  url: https://www.hcf.com.au/about-us/about-HCF/governance-and-structure/policies/code-of-conduct
- type: Sustainability
  url: https://www.hcf.com.au/about-hcf/group-sustainability-statement
- type: Careers
  url: https://www.hcf.com.au/about-us/careers
- type: Forms
  url: https://www.hcf.com.au/forms-and-brochures
- type: LinkedIn
  url: https://au.linkedin.com/company/hcf
- type: YouTube
  url: https://www.youtube.com/hcfau
- type: Facebook
  url: https://www.facebook.com/hcfaustralia/
- type: PrivacyPolicy
  url: https://www.hcf.com.au/about-us/about-HCF/governance-and-structure/policies/privacy-policy
- type: TermsOfService
  url: https://www.hcf.com.au/about-us/about-HCF/governance-and-structure/policies/terms-and-conditions
- type: TrustCenter
  url: https://www.hcf.com.au/about-hcf/privacy-information-trust-centre
- type: Blog
  url: https://www.hcf.com.au/health-agenda
- type: PressRoom
  url: https://www.hcf.com.au/about-us/media-centre
- type: AnnualReport
  url: https://www.hcf.com.au/about-us/about-HCF/governance-and-structure/annual-report
- type: Login
  url: https://www.hcf.com.au/member-login
- type: OpenIDConfiguration
  url: https://id.hcf.com.au/.well-known/openid-configuration
apis: []
x-tags-removed:
- No Public API
- Partner Gated
x-coverage:
  state: covered
  reason: identity-verified
  detail: Website www.hcf.com.au verified 200 (title "HCF health insurance | Your health comes first | HCF"); all 24 web pointers
    re-fetched 2026-10-21 with a browser UA, 23 returned 200 and facebook.com returned 400 (platform bot policy, kept). Logo
    taken from the homepage img src. No developer portal, docs or API reference is published.
  evidence:
  - url: https://www.hcf.com.au/
    status: 200
  - url: https://www.hcf.com.au/content/dam/hcf/images/placeholder/logo_hcf1.png
    status: 200
  - url: https://www.hcf.com.au/about-us/about-HCF/governance-and-structure/policies/privacy-policy
    status: 200
  - url: https://www.hcf.com.au/about-us/about-HCF/governance-and-structure/policies/terms-and-conditions
    status: 200
  - url: https://www.hcf.com.au/member-login
    status: 200
  - url: https://www.facebook.com/hcfaustralia/
    status: 400
x-enrichment:
  date: '2026-10-21'
  status: enriched
  artifacts_added: 9
  pass: modular-v1
  engine: identity=anthropic,contract=anthropic,surfaces=anthropic,docs=anthropic,regulatory=anthropic

HCF API — frequently asked questions

How do I authenticate with the HCF API?

HCF documents its authentication (oauth2/openIdConnect · 2 schemes). The details are profiled on APIs.io as Hcf Authentication.

Is the HCF API ready for AI agents?

HCF has a Kin Score of 22.3 out of 100 (emerging) and an Agent Readiness score of 17.6 (agent-aware), scored by API Evangelist on 2026-11-06.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

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Tools for providers

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find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

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