Medibank

Medibank Private Limited (ASX: MPL) is Australia's largest private health insurer, headquartered in Melbourne and operating two retail brands, Medibank and ahm, alongside the Amplar Health services arm. Founded in 1976 as a government-owned fund and privatised through an ASX listing in 2014, it underwrites hospital, extras and ambulance cover for Australian residents, Overseas Student Health Cover and Overseas Visitors Health Cover, and distributes travel, pet, life, income protection and accident cover (Recover Boost) alongside its core private health insurance book. Its home market is Australia, where private health insurance is a separately regulated market supervised by APRA and the Private Health Insurance Ombudsman, and where the Consumer Data Right that opened banking and energy was designated for general insurance and then deferred — so there is no open insurance obligation and no CDR seam reaching a health fund like Medibank. Medibank's API posture is fully partner-gated and there is no public API. No developer portal exists on any conventional host: developer, developers, docs and apis subdomains of medibank.com.au do not resolve in DNS, api.medibank.com.au resolves but does not accept public TCP connections on port 443, and /developers, /api, /developer, /partners and /integrations all return HTTP 404 on www.medibank.com.au, whose 1,364-URL sitemap contains no developer or API page at all. The only first-party integration surfaces are login walls and email-gated onboarding: providers.medibank.com.au is a React single-page "Medibank - Provider Self Service" application (Provider Central, ESP) that returns its shell for every path, portal.medibank.com.au is a Palo Alto GlobalProtect corporate VPN, and the HCP Portal for Hospital Casemix Protocol submissions is granted only by emailing Medibank's HCP team. The real machine-to-machine claiming rails are third-party and government-operated rather than Medibank-published: ECLIPSE, the Services Australia in-patient online claiming system, carries hospital claims and 25 percent Fund Gap medical claims under claim type "MB" and serves Online Eligibility Check with Presenting Illness codes, with ECFWeb and THELMA as alternative eligibility channels and HICAPS and iSOFT terminals handling ancillary claiming. No ACORD reference of any kind appears on Medibank's public estate, which is the expected result — Australian private health insurance runs on ECLIPSE, HCP and the MBS rather than on ACORD AL3 or ACORD XML. No OpenAPI or Swagger definition, no Postman collection, no GraphQL or gRPC surface, no webhook or event catalog, and no documented authentication scheme could be confirmed anywhere on Medibank's public web estate as of 2026-07-25, and none of the four insurance API verbs — quote, bind, issue or FNOL — is exposed to unauthenticated developers.

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

Medibank’s developer surface includes getting-started guide, engineering blog, documentation, developer portal, support, signup flow, and 22 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

22.5/100 emerging ▬ flat Agent 3/100 human only Front door AI 1/6 silent Heartbeat 55/100 alive 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 Private Health Insurance Life and Health Carrier Claims Policy Administration Travel Insurance Pet Insurance

Kin Score

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

Composite quality — 22.5/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 6.7 / 17

Access Clarity 5.8 / 17

Operational Transparency 1.5 / 11

Contract Governance 0.5 / 10

Discoverability 4.7 / 9

Regulatory Posture 2.5 / 15

Agent readiness — 3/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 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 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 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
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
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

12 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
Access Clarity scores 34.2 — up to +13.2 composite points
Developer Ergonomics scores 39.3 — up to +12.1 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/medibank/apis.yml: open an issue on github.com/api-evangelist/medibank 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.

Medibank API pricing

Pricing Plans 1

Published pricing tiers and plan structures.

Medibank Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Medibank Rate Limits

0 limits

RATE LIMITS

Security Posture 1

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

Medibank Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

Portal

Portal

Login

SignUp

SignUp

Documentation 5

Reference material describing how the API behaves

Documentation

Documentation

Documentation

Documentation

Documentation

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 3

SDKs, sample code, and the tooling you integrate with

SDKs

SDKs

Packages

Packages

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

SecurityPolicy

SecurityPolicy

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 3

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

TermsOfService

TermsOfService

Company 5

The organization behind the API

BlogRSS

BlogRSS

Website

Website

Blog

Blog

LinkedIn

InvestorRelations

InvestorRelations

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: medibank
url: https://raw.githubusercontent.com/api-evangelist/medibank/refs/heads/main/apis.yml
name: Medibank
kind: company
description: 'Medibank Private Limited (ASX: MPL) is Australia''s largest private health insurer, headquartered in Melbourne
  and operating two retail brands, Medibank and ahm, alongside the Amplar Health services arm. Founded in 1976 as a government-owned
  fund and privatised through an ASX listing in 2014, it underwrites hospital, extras and ambulance cover for Australian residents,
  Overseas Student Health Cover and Overseas Visitors Health Cover, and distributes travel, pet, life, income protection and
  accident cover (Recover Boost) alongside its core private health insurance book. Its home market is Australia, where private
  health insurance is a separately regulated market supervised by APRA and the Private Health Insurance Ombudsman, and where
  the Consumer Data Right that opened banking and energy was designated for general insurance and then deferred — so there
  is no open insurance obligation and no CDR seam reaching a health fund like Medibank. Medibank''s API posture is fully partner-gated
  and there is no public API. No developer portal exists on any conventional host: developer, developers, docs and apis subdomains
  of medibank.com.au do not resolve in DNS, api.medibank.com.au resolves but does not accept public TCP connections on port
  443, and /developers, /api, /developer, /partners and /integrations all return HTTP 404 on www.medibank.com.au, whose 1,364-URL
  sitemap contains no developer or API page at all. The only first-party integration surfaces are login walls and email-gated
  onboarding: providers.medibank.com.au is a React single-page "Medibank - Provider Self Service" application (Provider Central,
  ESP) that returns its shell for every path, portal.medibank.com.au is a Palo Alto GlobalProtect corporate VPN, and the HCP
  Portal for Hospital Casemix Protocol submissions is granted only by emailing Medibank''s HCP team. The real machine-to-machine
  claiming rails are third-party and government-operated rather than Medibank-published: ECLIPSE, the Services Australia in-patient
  online claiming system, carries hospital claims and 25 percent Fund Gap medical claims under claim type "MB" and serves
  Online Eligibility Check with Presenting Illness codes, with ECFWeb and THELMA as alternative eligibility channels and HICAPS
  and iSOFT terminals handling ancillary claiming. No ACORD reference of any kind appears on Medibank''s public estate, which
  is the expected result — Australian private health insurance runs on ECLIPSE, HCP and the MBS rather than on ACORD AL3 or
  ACORD XML. No OpenAPI or Swagger definition, no Postman collection, no GraphQL or gRPC surface, no webhook or event catalog,
  and no documented authentication scheme could be confirmed anywhere on Medibank''s public web estate as of 2026-07-25, and
  none of the four insurance API verbs — quote, bind, issue or FNOL — is exposed to unauthenticated developers.'
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:
  - security
  generated: '2026-11-06'
  method: derived
image: https://www.medibank.com.au/content/dam/medibank/custom-campaigns/Digital/medibank_logo_red.jpg
tags:
- Insurance
- Australia
- Health Insurance
- Private Health Insurance
- Life and Health
- Carrier
- Claims
- Policy Administration
- Travel Insurance
- Pet Insurance
created: '2026-07-25'
modified: '2026-10-20'
specificationVersion: '0.23'
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
common:
- type: Hosts
  url: hosts/medibank-hosts.yml
- type: Vendors
  url: vendors/medibank-vendors.yml
- type: SDKs
  url: packages/medibank-packages.yml
- type: Packages
  url: packages/medibank-packages.yml
- type: GettingStarted
  url: https://www.medibank.com.au/health-support/pregnancy/article/getting-started-breastfeeding/
- url: https://www.medibank.com.au/livebetter/newsroom/rss
  type: BlogRSS
- type: DomainSecurity
  url: security/medibank-domain-security.yml
- type: Website
  url: https://www.medibank.com.au/
- type: Blog
  url: https://www.medibank.com.au/livebetter/newsroom/
- type: LinkedIn
  url: https://www.linkedin.com/company/medibank
- type: GitHubOrganization
  url: https://github.com/Medibank
- type: Documentation
  url: https://www.medibank.com.au/providers/
- type: Documentation
  url: https://www.medibank.com.au/providers/claims/
- type: Documentation
  url: https://www.medibank.com.au/providers/medical/mppa/
- type: Documentation
  url: https://www.medibank.com.au/providers/hospital/
- type: Documentation
  url: https://www.medibank.com.au/providers/information-for-simplified-billing-agents/
- type: Portal
  url: https://providers.medibank.com.au/
- type: Support
  url: https://www.medibank.com.au/help/
- type: Login
  url: https://members.medibank.com.au/
- type: SignUp
  url: https://www.medibank.com.au/health-insurance/join/
- type: WellKnown
  name: Well-known discovery surface (probed)
  url: well-known/medibank-well-known.yml
- type: Conformance
  name: Standards and regulatory conformance
  url: conformance/medibank-conformance.yml
- type: LLMsTxt
  name: llms.txt
  url: llms/medibank-llms.txt
- type: PrivacyPolicy
  url: https://www.medibank.com.au/privacy/
- type: TermsOfService
  url: https://www.medibank.com.au/legal-information/
- type: TermsOfService
  name: Terms and conditions
  url: https://www.medibank.com.au/terms-and-conditions/
- type: SecurityPolicy
  url: https://www.medibank.com.au/help/security-and-privacy/
- type: InvestorRelations
  url: https://www.medibank.com.au/about/investor-centre/
apis: []
x-tags-removed:
- Partner Gated
x-coverage:
  state: covered
  reason: identity-verified
  detail: Website www.medibank.com.au verified 200 (title "Medibank Private Health Insurance | Medibank"); all common pointers
    re-fetched 200 on 2026-10-20; providers.medibank.com.au is a catch-all SPA titled "Medibank - Provider Self Service" and
    kept as a real portal.
  evidence:
  - url: https://www.medibank.com.au/
    status: 200
  - url: https://providers.medibank.com.au/
    status: 200
  - url: https://www.medibank.com.au/terms-and-conditions/
    status: 200
  - url: https://www.medibank.com.au/content/dam/medibank/custom-campaigns/Digital/medibank_logo_red.jpg
    status: 200
x-enrichment:
  date: '2026-10-20'
  status: enriched
  artifacts_added: 17
  pass: modular-v1
  engine: identity=anthropic,contract=anthropic,surfaces=anthropic,docs=anthropic,regulatory=anthropic

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