# HCF

**Canonical:** https://apis.io/providers/hcf/  
**Website:** https://www.hcf.com.au/  
**APIs profiled:** 0

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.

## Kin Score — 27.9 / 100 (emerging)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 27.9).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 12.5 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 17.4 |
| Commercial Clarity | 42.1 |

Regulatory layer — **Insurance**: 71.2 (matched via tags).

## Agent readiness — 9.0 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Security (3)

- **Hcf Authentication** — oauth2/openIdConnect · 2 schemes
- **Hcf Domain Security** — TLSv1.3 · DMARC
- **Hcf Trust Center** — trust center published

## Tags

Insurance, Australia, Health Insurance, Life Insurance, Travel Insurance, Pet Insurance, Carrier, Not-for-Profit, Claims, Member Services, Partner Gated, No Public API

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/hcf/). Scores are computed from the provider's own public artifacts under a published rubric.