Skip to main content

Is hbf.com.au a Scam? Security Check Results - HBF Health Insurance

hbf.com.au Security Report Summary

hbf.com.au received a security score of 70 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers HBF Health Insurance's website security posture. HBF Health Insurance operates in the Healthcare industry in Australia.

HBF Health Insurance is a prominent not-for-profit health insurance provider in Australia, serving over one million members. The company offers a range of health insurance products including hospital cover, extras cover, ambulance cover, and life-stage specific plans. Their business model focuses on member-first service and affordable health cover, positioning them as a trusted leader in the Australian healthcare insurance market. The website reflects a mature digital presence with comprehensive content tailored to their target audience of Australian residents seeking health insurance solutions. Technically, the website is built using modern web technologies such as Next.js and React, hosted likely on AWS infrastructure. It integrates advanced analytics and marketing tools including Google Analytics, Google Tag Manager, Dynatrace, and Abtasty for performance monitoring and user experience optimization. The site is well-optimized for mobile devices and accessibility, with good SEO practices and fast performance. From a security perspective, the website enforces HTTPS, employs multiple security headers, and shows no signs of exposed sensitive data or vulnerabilities. Privacy compliance is robust, with clear privacy and cookie policies and consent mechanisms in place. However, there is no publicly available vulnerability disclosure or incident response policy, which could be improved to enhance transparency and trust. Overall, the website and business demonstrate a strong security posture and digital maturity, with minor areas for improvement in security policy transparency and continuous monitoring. The domain registration is privacy protected but registered through a reputable registrar, consistent with standard practices for commercial entities in Australia. The risk assessment is low, and the site is trustworthy for users seeking health insurance services.

The security scan identified 22 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: React, Next.js, Google Tag Manager, Google Analytics, Dynatrace, Material UI, Abtasty.

About this security scan

Guard performs automated security assessments of websites by analyzing SSL/TLS certificates, HTTP security headers, DNS configuration, email authentication protocols (SPF, DKIM, DMARC), GDPR compliance indicators, NIS2 directive compliance, network exposure, and AI-powered business intelligence. Each report provides domain-specific findings, risk scores, and actionable recommendations.

hbf.com.au favicon

Is hbf.com.au Safe? Security Analysis for HBF Health Insurance

https://hbf.com.au

Check if hbf.com.au is a scam or legitimate. Free security scan and reviews.

HealthcareAustralialarge
ReactNext.jsGoogle Tag ManagerGoogle AnalyticsDynatrace+2 more
Analyzed 7/6/2025Completed 1:11:37 PM9mo ago
70
Security Score
MEDIUM RISK

Above Healthcare avg (65)

10,000+

Domains scanned

500+

Security teams trust us

EveryPay

Secure checkout

Instant

Reports delivered

Professional PDF & Marketing Data

Get the professional PDF report for hbf.com.au

Export this security analysis as a professional PDF document, receive it via email, and access marketing intelligence data including contact emails and phone numbers. One-time purchase for lifetime access.

PDF Report & Export

PDF download, email delivery, unlock code

39.90 €one-time • Incl. 21% VAT

Marketing Intelligence

Contact emails, phone numbers & warm leads

49.90 €one-time • Incl. 21% VAT

Plan Comparison

FeaturePDF ReportMarketing+
Full security analysis
Professional PDF export
Email delivery
Lifetime access + unlock code
Contact emails & phones
Marketing outreach data

Already purchased?

Order summary

Domainhbf.com.au
Access tierFull report or marketing add-on

Digital reports are delivered immediately after payment. By continuing you acknowledge the withdrawal waiver described in our Returns & Refunds policy.

VisaMastercardApple PayGoogle Pay

Secure payments processed via EveryPay. Prices in EUR; Incl. 21% VAT.

SEQ SIA

Lastadijas 12 k-3, Riga, Latvia, LV-1050

Reg. No. 40203410806 • VAT LV40203410806

Support: guard@offseq.com+371 2256 5353

AI Summary

HBF Health Insurance is a prominent not-for-profit health insurance provider in Australia, serving over one million members. The company offers a range of health insurance products including hospital cover, extras cover, ambulance cover, and life-stage specific plans. Their business model focuses on member-first service and affordable health cover, positioning them as a trusted leader in the Australian healthcare insurance market. The website reflects a mature digital presence with comprehensive content tailored to their target audience of Australian residents seeking health insurance solutions. Technically, the website is built using modern web technologies such as Next.js and React, hosted likely on AWS infrastructure. It integrates advanced analytics and marketing tools including Google Analytics, Google Tag Manager, Dynatrace, and Abtasty for performance monitoring and user experience optimization. The site is well-optimized for mobile devices and accessibility, with good SEO practices and fast performance. From a security perspective, the website enforces HTTPS, employs multiple security headers, and shows no signs of exposed sensitive data or vulnerabilities. Privacy compliance is robust, with clear privacy and cookie policies and consent mechanisms in place. However, there is no publicly available vulnerability disclosure or incident response policy, which could be improved to enhance transparency and trust. Overall, the website and business demonstrate a strong security posture and digital maturity, with minor areas for improvement in security policy transparency and continuous monitoring. The domain registration is privacy protected but registered through a reputable registrar, consistent with standard practices for commercial entities in Australia. The risk assessment is low, and the site is trustworthy for users seeking health insurance services.

Detected Technologies

ReactNext.jsGoogle Tag ManagerGoogle AnalyticsDynatraceMaterial UIAbtasty

10 urgent findings need attention

10 high

  • + 2 more findings in the full report below
Continuous monitoring

Keep hbf.com.au under constant watch

Guard tracks your live infrastructure daily: certificate expiry, DNS & mail authentication drift, uptime changes, subdomain inventory, and unexpected tracker or content shifts. A full timeline captures every diff so you can prove remediation and spot regressions instantly.

Security drift alerts

Risk score drops, new high-severity issues, and header hardening gaps

Compliance watch

GDPR / NIS2 posture changes with governance evidence snapshots

Infrastructure surface

Unexpected open services, SSL expiry, DNS & email authentication changes

Content & tracker intelligence

Marketing tech shifts, analytics drift, and AI recommendation updates

25 €
per month · billed securely via EveryPay
Less than 1 € / day — cheaper than a single incident response hour

Cancel anytime. Alerts sent to the contacts you choose. Unlock the full report to view historical timelines and alerts.

Purchase to access the monitoring timeline, JSON diffs, alert history, and PDF export for hbf.com.au.

Security Headers

4 findings

55/100

GDPR Compliance

4 findings

35/100

NIS2 Compliance

8 findings

17/100

Email Security

3 findings

72/100

🧠AI Business Intelligence

Technology stack, business insights, and market analysis powered by AI.

Business Intelligence

Market & Strategic Analysis

HBF Health Insurance holds a significant market position as a large, not-for-profit health insurer in Australia. Their competitive advantage lies in their member-first approach and comprehensive product offerings tailored to various life stages and health needs. Revenue streams primarily come from health insurance premiums across hospital, extras, and ambulance covers. The company targets individuals, couples, families, and single parents within Australia. Growth indicators include a large member base and active digital engagement through their website and social media channels. The partnership ecosystem includes integrations with Salesforce and Google services, enhancing customer relationship management and analytics capabilities. Strategic observations suggest a focus on digital transformation and customer-centric services to maintain market leadership.

Security Posture Analysis

Comprehensive Security Assessment

The security maturity of HBF's website is high, with enforced HTTPS, strong security headers, and no detected vulnerabilities in the public-facing site. Data protection practices align with GDPR and Australian privacy laws, supported by comprehensive privacy and cookie policies. However, the absence of a publicly available vulnerability disclosure policy and incident response contact limits transparency. There is no explicit mention of security frameworks such as ISO 27001 or NIST, which could be areas for future enhancement. Incident response readiness is unclear due to lack of public documentation. Overall, the security culture appears mature but could benefit from increased openness and formalized security governance disclosures.

Strategic Recommendations

Priority Actions for Security Improvement

1

Publish a formal vulnerability disclosure policy to encourage responsible reporting of security issues.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

HBF Health Insurance

Description:

Not-for-profit health insurance that puts members first. Find affordable health cover to suit your needs and join over 1m HBF members today!

Key Services:
Health insuranceHospital coverExtras coverAmbulance coverOnline member management (myHBF)
Content Quality:

excellent

Branding:

consistent

Technical Stack

Technologies:
ReactNext.jsGoogle Tag ManagerGoogle AnalyticsDynatraceMaterial UIAbtasty
Frameworks:
Next.jsMaterial UI
Performance:

fast

Mobile:

excellent

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
90/100
Best Practices:
  • HTTPS enforced
  • Use of security headers
  • No exposed sensitive data in HTML
  • Secure forms with proper input handling

Analytics & Tracking

Services:
Google AnalyticsDynatracePingdom
Tracking Level:moderate
Privacy Compliance:good

Advertising & Marketing

Ad Networks:
Abtasty
Tracking Pixels:
DynatracePingdom
Marketing Tools:
Abtasty
Transparency Level:good

Website Quality Assessment

Design Quality:excellent
User Experience:excellent
Content Relevance:excellent
Navigation Clarity:excellent
Professionalism:excellent
Trustworthiness:high

Key Observations

1

Website is professionally designed and well-structured.

Get this report delivered to your inbox

Receive a summary of the hbf.com.au security findings by email. Quick and easy to share with decision makers.

🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

55/100
Score

Missing X-Frame-Options header

HIGH

Prevents clickjacking attacks

Missing Content-Security-Policy header

HIGH

Controls resources the browser is allowed to load

Missing Referrer-Policy header

LOW

Controls referrer information sent with requests

Missing Permissions-Policy header

MEDIUM

Controls browser features and APIs

👤GDPR Compliance

Privacy and data protection assessment under GDPR regulations.

GDPR Compliance

Privacy and data protection assessment

35/100
Score

No Privacy Policy found

HIGH

GDPR requires a clear and accessible privacy policy

No Cookie Policy found

HIGH

GDPR requires clear information about cookie usage

No Cookie Consent Banner found

HIGH

GDPR requires explicit consent for non-essential cookies

Third-party services without privacy policy

HIGH

Detected services: Facebook, Twitter, LinkedIn, YouTube, Google APIs

GDPR Compliance Analysis

Privacy Policy0% confidence
Cookie Policy0% confidence
Contact Information Found90% confidence
phone

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

17/100
Score

No information security framework found

HIGH

NIS2 requires documented cybersecurity and information security measures

No vulnerability disclosure policy

MEDIUM

NIS2 encourages coordinated vulnerability disclosure

No security policy documentation found

HIGH

NIS2 requires documented cybersecurity governance and risk management

No incident response procedures found

HIGH

NIS2 requires documented incident response and business continuity plans

No business continuity planning found

MEDIUM

NIS2 emphasizes operational resilience and business continuity

No security contact information

HIGH

NIS2 requires clear incident reporting channels

No vulnerability reporting mechanism

MEDIUM

Clear vulnerability reporting supports coordinated disclosure

No NIS2 reference found

LOW

Consider explicitly mentioning NIS2 compliance efforts

Need this report as a PDF?

Download the complete hbf.com.au security analysis as a professional PDF. Share it with your team, clients, or stakeholders.

📧Email Security

SPF, DKIM, and DMARC validation and email security assessment.

Email Security

SPF, DKIM, and DMARC validation

72/100
Score

No DKIM record found

MEDIUM

DKIM adds cryptographic signatures to emails

No MTA-STS Policy

MEDIUM

MTA-STS enforces TLS for email delivery

No TLS-RPT Record

LOW

TLS-RPT provides reporting for email TLS issues

SPF
Sender Policy Framework
DKIM
DomainKeys Identified Mail
DMARC
Domain-based Message Authentication
MX Records
Mail Exchange Records
BIMI
Brand Indicators
MTA-STS
Mail Transfer Agent Security
TLS-RPT
TLS Reporting
DNSSEC
DNS Security
SPF Details
Record:
v=spf1 include:_spf1.hbf.com.au include:_spf2.hbf.com.au include:_spf3.hbf.com.au include:_spf4.hbf.com.au ~all
DNS Lookups:4/10
Policy:~all
DMARC Details
Policy:quarantine
Subdomain Policy:reject
Aggregate Reports:6azlduwa@ag.dmarcian-ap.com
Forensic Reports:6azlduwa@fr.dmarcian-ap.com

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

100/100
Score

Partial SSL/TLS Assessment

LOW

Completed 2 of 4 security checks due to time constraints

Certificate Details

Subject:www.hbf.com.au
Issuer:RapidSSL TLS RSA CA G1
Valid Until:6/6/2026 (335 days)
SANs:www.hbf.com.au, hbf.com.au

OCSP Status

OCSP Stapling Disabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

90/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

Domain Registration Details

Protection Level
strongDNSSEC OFF

DNS Records

A Records:3.164.206.13, 3.164.206.14, 3.164.206.27, 3.164.206.118
AAAA Records:2600:9000:278f:f200:5:1b1:c240:93a1, 2600:9000:278f:7600:5:1b1:c240:93a1, 2600:9000:278f:8400:5:1b1:c240:93a1, 2600:9000:278f:c00:5:1b1:c240:93a1, 2600:9000:278f:6000:5:1b1:c240:93a1, 2600:9000:278f:6800:5:1b1:c240:93a1, 2600:9000:278f:8a00:5:1b1:c240:93a1, 2600:9000:278f:8600:5:1b1:c240:93a1
Name Servers:
udns1.cscdns.net
udns2.cscdns.uk
MX Records:
10: mx1.hbf.iphmx.com
10: mx2.hbf.iphmx.com
SOA:Serial: 2019112918, TTL: 86400s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:79ms

SPF Analysis

SPF Record:
v=spf1 include:_spf1.hbf.com.au include:_spf2.hbf.com.au include:_spf3.hbf.com.au include:_spf4.hbf.com.au ~all

Network Security

Port scanning and network exposure analysis.

Network Security

Port scanning and network exposure analysis

100/100
Score

Good Network Security Posture

LOW

No unnecessary services detected on common risky ports

How does hbf.com.au compare?

See how hbf.com.au stacks up against similar websites in the same industry.

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

The website leverages a modern technology stack including React and Next.js, enabling server-side rendering and improved performance. Integration with Google Tag Manager and analytics services supports data-driven decision making. Hosting appears to be on AWS, providing scalable and reliable infrastructure. The site demonstrates excellent mobile optimization and accessibility, with responsive design and semantic HTML usage. Performance is fast with preloading and efficient resource management. Technical debt is minimal based on current observations, though continuous modernization and security patching are recommended to sustain operational excellence and security.
Professional PDF & Marketing Data

Download the hbf.com.au report as PDF

Get the complete analysis in a shareable PDF format, delivered instantly to your email with lifetime access.

PDF Report & Export

PDF download, email delivery, unlock code

39.90 €one-time • Incl. 21% VAT

Marketing Intelligence

Contact emails, phone numbers & warm leads

49.90 €one-time • Incl. 21% VAT

Plan Comparison

FeaturePDF ReportMarketing+
Full security analysis
Professional PDF export
Email delivery
Lifetime access + unlock code
Contact emails & phones
Marketing outreach data

Already purchased?

Order summary

Domainhbf.com.au
Access tierFull report or marketing add-on

Digital reports are delivered immediately after payment. By continuing you acknowledge the withdrawal waiver described in our Returns & Refunds policy.

VisaMastercardApple PayGoogle Pay

Secure payments processed via EveryPay. Prices in EUR; Incl. 21% VAT.

SEQ SIA

Lastadijas 12 k-3, Riga, Latvia, LV-1050

Reg. No. 40203410806 • VAT LV40203410806

Support: guard@offseq.com+371 2256 5353

Scan your own website

Liked the hbf.com.au report? Run the same comprehensive security analysis on your domain — free, instant, and no sign-up required.

Or browse our directory of >10,000 scanned websites.

⭐ Verified Community Reviews

What others say about hbf.com.au

Share your experience to help others make informed decisions. We verify every review by email and publish it once our moderation team approves it.

Overall rating
Select a rating
4000 characters remaining

We’ll email you to confirm your review and keep your details private.

Community rating

out of 5

0 reviews published

Loading reviews…

How did we do?

Your feedback directly shapes our roadmap. Rate the quality of this report, leave an optional comment, and let us know if you want our security specialists to follow up.

Overall report quality
Select a rating
2000 characters remaining

We only use your feedback to improve Guard reports. Contact details are never shared.

Analyze Another Website