# hi.health

**Canonical:** https://apis.io/providers/hihealth/  
**Website:** https://www.getpliant.com/en/industry/insurance-payments/  
**APIs profiled:** 2

hi.health is a cashless, real-time claims and payments platform for the insurance industry, now operated as "hi.health by Pliant" after joining Pliant. It replaces legacy reimbursement models with instantly issued virtual and physical cards whose spend is programmatically controlled per policy, merchant, currency and country. Members pay nothing upfront: eligible claims are settled in real time at the point of care across health, home, travel, corporate and auto insurance lines, and structured transaction data is streamed back to insurers for dashboards, reconciliation and fraud prevention. The developer surface is Pliant's PCI-DSS-certified Cards-as-a-Service (CaaS) and Pro API: OAuth2 client-credentials access, asynchronous callback/webhook events, and a full sandbox, which partners embed to issue and manage cards, cardholders, transactions, receipts, payments and external transfers.

## Kin Score — 46.3 / 100 (developing)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 46.3).

| Facet | Score |
|---|---|
| Discoverability | 87.0 |
| Contract Quality | 45.1 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 69.7 |
| Developer Ergonomics | 36.9 |
| Commercial Clarity | 7.9 |
| Access Clarity | 7.9 |

Regulatory layer — **Insurance**: 68.2 (matched via tags).

## Agent readiness — 48.3 (agent-ready)

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

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (2)

- **Pliant Cards-as-a-Service (CaaS) API** — The embedded credit-card API that powers hi.health. Partners issue and manage cards, cardholders, transactions, receipts, payments, statements and external transfers, with OAuth...
- **Pliant Pro API** — The customer-facing Pro API for programmatic access to Pliant credit-card data and features (cards, cardholders, transactions, receipts, accounting, payments).

## MCP servers (1)

- **hi.health MCP Server**

## Security (3)

- **Hihealth Authentication** — oauth2 · 1 scheme
- **Hihealth Domain Security** — TLSv1.3 · HSTS · DMARC
- **Hihealth Vulnerability Disclosure** — Hackerone · security.txt · contact published

## Tags

Company, Insurance, Payments, Cards, Fintech, Health, Cards-as-a-Service, Embedded Finance, Reimbursement, Claims

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