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.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Insurance
- Australia
- Health Insurance
- Life Insurance
- Travel Insurance
- Pet Insurance
- Carrier
- Not-for-Profit
- Claims
- Member Services
- Partner Gated
- No Public API
created: '2026-07-25'
modified: '2026-07-25'
specificationVersion: '0.19'
apis: []
common:
- 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
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com