Vitality

Vitality is a United Kingdom health and life insurer, operating as VitalityHealth and VitalityLife under the Vitality umbrella brand and owned by the South African financial services group Discovery Limited. Formed from the 2004 PruHealth joint venture with Prudential and the 2010 acquisition of Standard Life Healthcare, and rebranded to Vitality in 2014, it is the UK's third-largest private medical insurer behind Bupa and AXA, with roughly 1.9 million members and a shared-value model that prices private medical insurance, life cover and protection against member health and activity engagement. Its lines of business are private medical insurance, life insurance and protection, and workplace/employee benefits distributed through intermediaries, employee benefit consultants and bank partnerships rather than direct developer channels. Vitality's API posture is partner-gated and undocumented in public: it has modernised onto a WSO2 API Manager platform to decouple core policy and member services from front-end applications and to shorten partner onboarding, and it runs a publicly resolvable production API gateway at apis.vitality.co.uk, but it publishes no self-serve developer portal, no API reference, no OpenAPI or Swagger definitions and no public quote, bind, issue or FNOL endpoints. Credentials are issued through commercial partner onboarding and the gateway's OAuth2 client-credentials token endpoint rejects anonymous callers. There is no public ACORD, AL3 or NGDS reference for the UK entity, which is consistent with a life-and-health carrier in a market where ACORD adoption is concentrated in the London subscription market rather than in retail health and protection.

Vitality publishes 1 API on the APIs.io network. Tagged areas include Insurance, United Kingdom, Health Insurance, Life Insurance, and Employee Benefits.

Vitality’s developer surface includes support, authentication, and 14 more developer resources.

🌐 Visit website 📡 Source on GitHub
26.0/100 emerging ▬ flat Agent 21/100 agent aware Full breakdown ↓
scored 2026-07-27 · rubric v0.5
1 APIs
InsuranceUnited KingdomHealth InsuranceLife InsuranceEmployee BenefitsCarrierPolicy AdministrationUnderwritingPartner Gated

Kin Score

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scored 2026-07-27 · rubric v0.5
Composite quality — 26.0/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 3.0 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.7 / 13
Governance 0.0 / 12
Discoverability 9.3 / 10
Agent readiness — 21/100 · agent aware
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/vitality-uk: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Vitality Partner API Gateway

Vitality's production API gateway, running WSO2 API Manager at apis.vitality.co.uk (origin wso2-prd-apigw.tvc.vitality.co.uk:8243 behind an AWS load balancer in eu-west-1). The ...

Security Posture 2

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

Vitality Uk Authentication

oauth2/openIdConnect · 2 schemes

SECURITY

Vitality Uk Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Vitality Uk Scopes

5 scopes · authorizationCode/clientCredentials

5 scopes

SCOPES

Resources

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown
WellKnown
 LLMsTxt
LLMsTxt

Design & Contract 4

Pagination, idempotency, versioning, errors, and events

Conformance
Conformance
 ErrorCatalog
ErrorCatalog
 Conventions
Conventions
 Lifecycle
Lifecycle

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication
 OAuthScopes
OAuthScopes

Operate 2

Status, limits, changes, and where to get help

Contact
Contact
 Support
Support

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy
PrivacyPolicy
 TermsOfService
TermsOfService

Company 1

The organization behind the API

Website
Website

Other 1

Properties that don't map to a standard resource type

OpenIDConnect
OpenIDConnect

Source (apis.yml)

apis.yml Raw ↑ 
aid: vitality-uk
url: https://raw.githubusercontent.com/api-evangelist/vitality-uk/refs/heads/main/apis.yml
name: Vitality
kind: company
description: 'Vitality is a United Kingdom health and life insurer, operating as VitalityHealth and VitalityLife under the
  Vitality umbrella brand and owned by the South African financial services group Discovery Limited. Formed from the 2004
  PruHealth joint venture with Prudential and the 2010 acquisition of Standard Life Healthcare, and rebranded to Vitality
  in 2014, it is the UK''s third-largest private medical insurer behind Bupa and AXA, with roughly 1.9 million members and
  a shared-value model that prices private medical insurance, life cover and protection against member health and activity
  engagement. Its lines of business are private medical insurance, life insurance and protection, and workplace/employee benefits
  distributed through intermediaries, employee benefit consultants and bank partnerships rather than direct developer channels.
  Vitality''s API posture is partner-gated and undocumented in public: it has modernised onto a WSO2 API Manager platform
  to decouple core policy and member services from front-end applications and to shorten partner onboarding, and it runs a
  publicly resolvable production API gateway at apis.vitality.co.uk, but it publishes no self-serve developer portal, no API
  reference, no OpenAPI or Swagger definitions and no public quote, bind, issue or FNOL endpoints. Credentials are issued
  through commercial partner onboarding and the gateway''s OAuth2 client-credentials token endpoint rejects anonymous callers.
  There is no public ACORD, AL3 or NGDS reference for the UK entity, which is consistent with a life-and-health carrier in
  a market where ACORD adoption is concentrated in the London subscription market rather than in retail health and protection.'
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Insurance
- United Kingdom
- Health Insurance
- Life Insurance
- Employee Benefits
- Carrier
- Policy Administration
- Underwriting
- Partner Gated
created: '2026-07-25'
modified: '2026-07-25'
specificationVersion: '0.19'
apis:
- name: Vitality Partner API Gateway
  description: 'Vitality''s production API gateway, running WSO2 API Manager at apis.vitality.co.uk (origin wso2-prd-apigw.tvc.vitality.co.uk:8243
    behind an AWS load balancer in eu-west-1). The gateway is publicly resolvable and returns HTTP 200, and its OAuth2/OpenID
    Connect identity layer is fully published anonymously — discovery document, JWKS, authorization, token, userinfo, introspection,
    revocation, device-authorization and logout endpoints are all live. The business APIs behind it are not: no API catalogue,
    no reference documentation and no machine-readable contract are exposed, every WSO2 developer-portal route returns the
    404 fault document, and the token endpoint rejects anonymous callers with invalid_client. Credentials are issued through
    commercial partner onboarding rather than a signup form. This entry records a real, verified, undocumented API surface
    — it is not a claim that Vitality operates a public API programme.'
  humanURL: https://apis.vitality.co.uk/
  baseURL: https://apis.vitality.co.uk
  tags:
  - Insurance
  - Health Insurance
  - Partner Gated
  - OAuth2
  - OpenID Connect
  properties:
  - type: Authentication
    url: authentication/vitality-uk-authentication.yml
  - type: OAuthScopes
    url: scopes/vitality-uk-scopes.yml
  - type: OpenIDConnect
    url: well-known/vitality-uk-openid-configuration.json
  - type: WellKnown
    url: well-known/vitality-uk-well-known.yml
common:
- type: DomainSecurity
  url: security/vitality-uk-domain-security.yml
- type: Website
  url: https://www.vitality.co.uk/
- type: GitHubOrganization
  url: https://github.com/VitalityUK
- type: Contact
  url: https://www.vitality.co.uk/contact/
- type: Support
  url: https://www.vitality.co.uk/support/
- type: PrivacyPolicy
  url: https://www.vitality.co.uk/privacy/
- type: TermsOfService
  url: https://www.vitality.co.uk/legal/
- type: Authentication
  url: authentication/vitality-uk-authentication.yml
- type: OAuthScopes
  url: scopes/vitality-uk-scopes.yml
- type: OpenIDConnect
  url: well-known/vitality-uk-openid-configuration.json
- type: WellKnown
  url: well-known/vitality-uk-well-known.yml
- type: Conformance
  url: conformance/vitality-uk-conformance.yml
- type: ErrorCatalog
  url: errors/vitality-uk-problem-types.yml
- type: Conventions
  url: conventions/vitality-uk-conventions.yml
- type: Lifecycle
  url: lifecycle/vitality-uk-lifecycle.yml
- type: LLMsTxt
  url: llms/vitality-uk-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com