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Vitality (vitality-uk)

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Full detail: Where this data comes from

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.

APIs.json: https://raw.githubusercontent.com/api-evangelist/vitality-uk/refs/heads/main/apis.yml

Tags

  • Insurance
  • United Kingdom
  • Health Insurance
  • Life Insurance
  • Employee Benefits
  • Carrier
  • Policy Administration
  • Underwriting
  • Partner Gated

Timestamps

  • Created: 2026-07-25
  • Modified: 2026-07-25

APIs

Vitality Partner API Gatewayhttps://apis.vitality.co.uk (undocumented, partner-gated).

Vitality publishes no public, self-serve developer portal and no downloadable API definitions. This is a deliberate, verified record rather than a gap in research — see review.yml for the full probe log.

What Vitality does have is a real but undocumented partner gateway, and — found on the 2026-07-25 enrichment round — a fully published OpenID Connect identity layer:

  • https://apis.vitality.co.uk/ returns HTTP 200 with the WSO2 API Manager default landing page ("Welcome to APIM"). Response headers expose the origin host wso2-prd-apigw.tvc.vitality.co.uk on port 8243 behind an AWS load balancer in eu-west-1. A second edge, m.apis.vitality.co.uk, serves the identical page.
  • The WSO2 developer-portal routes (/devportal, /publisher, /store, /api/am/devportal/v3/apis) and every spec path tried (/openapi.json, /openapi.yaml, /swagger.json, /api-docs) return the WSO2 404 fault document. The only reachable listing, /services, shows just the WSO2 sample services (echo, Version).
  • A complete OpenID Connect discovery document is served anonymously at /oauth2/token/.well-known/openid-configuration and /oauth2/oidcdiscovery/.well-known/openid-configuration (both HTTP 200), with a live JWKS at /oauth2/jwks. An earlier round recorded "no openid-configuration" because it probed only the RFC 8615 host root — that path does 404, the WSO2 Identity Server paths do not. Captured verbatim in well-known/.
  • POST https://apis.vitality.co.uk/token with grant_type=client_credentials returns HTTP 401 invalid_client — a live token endpoint that only accepts partner-issued credentials. Authorization, userinfo, introspection, revocation, device-authorization, check-session and logout endpoints are all live. Dynamic client registration is advertised in discovery but 404s through the public gateway — registration is a commercial process, not self-serve.
  • Additional login edges ah-login.apis.vitality.co.uk (adviser hub) and eh-login.apis.vitality.co.uk (employer hub), plus pre., test. and uat. environments, all share the issuer https://apis.vitality.co.uk/oauth2/token.
  • Vitality's own Workplace Connect adviser SPA is configured against a live Sitecore Experience Edge GraphQL endpoint at https://cd.wc.vitality.co.uk/sitecore/api/graph/edge; introspection is gated on an sc_apikey. It is a CMS content surface, not an insurance API.
  • developer.vitality.co.uk, developers.vitality.co.uk, docs.vitality.co.uk and api.vitality.co.uk do not resolve in DNS. www.vitality.co.uk and its /developers, /api, /partners paths sit behind Cloudflare bot protection (HTTP 403).

Artifacts

Artifact File
Authentication profile (OAuth2/OIDC, verbatim from discovery) authentication/vitality-uk-authentication.yml
OAuth scopes (OIDC standard scopes only) scopes/vitality-uk-scopes.yml
Well-known index + raw OIDC/JWKS documents well-known/
Conformance (what the identity layer does and does not implement) conformance/vitality-uk-conformance.yml
Error catalogue (observed WSO2/OAuth envelopes) errors/vitality-uk-problem-types.yml
API conventions (auth, tracing, error envelope, transport security) conventions/vitality-uk-conventions.yml
Lifecycle (environment ladder, absences) lifecycle/vitality-uk-lifecycle.yml
Domain security (TLS/HSTS/DNSSEC/CAA/SPF/DMARC) security/vitality-uk-domain-security.yml
llms.txt llms/vitality-uk-llms.txt

Vitality publicly described in August 2025 that it had deployed WSO2's open-source API Manager and integration tooling to decouple core services from front-end applications, cutting partner onboarding from six months to a few weeks. That is a partner-integration programme, not a developer programme — onboarding ends in issued client credentials, not a signup form.

What is not exposed

  • Quote, bind, issue, FNOL — none are publicly documented. All four run through consumer journeys on vitality.co.uk, the co-branded Lloyds Bank journey on partners.vitality.co.uk, adviser channels, and the member app.
  • ACORD postureno ACORD reference found. No mention of ACORD, AL3, ACORD XML, ACORD certification or NGDS on any reachable surface. Expected for a UK retail health-and-protection carrier: UK ACORD adoption is concentrated in the London subscription market (Blueprint Two / Velonetic CR&P, EBOT, ECOT), not in domestic PMI and life distribution.
  • Webhooks / events — no event catalogue, no AsyncAPI.
  • Postman — a public Postman search for "vitality insurance" returned zero workspaces and zero collections.
  • gRPC — no published .proto. /graphql on the gateway returns 404 (the only GraphQL found is the Sitecore CMS edge above).
  • SDKs / packages — no first-party client library on npm, PyPI or any other registry. The @vitality-ds/* npm scope is a design system published from github.com/genie-engineering and is not Vitality UK.
  • Status page, SLA, deprecation policy — none. status.vitality.co.uk, trust.vitality.co.uk and security.vitality.co.uk do not resolve.
  • security.txt / vulnerability disclosure / trust centre — none found. The gateway 404s /.well-known/security.txt; the corporate host is Cloudflare-gated, so absence there is unconfirmed rather than proven.
  • Open source — the GitHub organisation VitalityUK exists (created 2025-01-16) with zero public repositories.

Naming cautions

  • api.vitality.io is a different, unrelated organisation and must not be attributed to Vitality UK.
  • Vitality Group / Vitality Global, the international wellness-programme arm of Discovery, is a separate entity from Vitality Health Limited and is out of scope for this record.

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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.

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