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Is hzzo.hr a Scam? Security Check Results - Hrvatski zavod za zdravstveno osiguranje

hzzo.hr Security Report Summary

hzzo.hr received a security score of 60 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers Hrvatski zavod za zdravstveno osiguranje's website security posture. Hrvatski zavod za zdravstveno osiguranje operates in the Healthcare industry in Croatia.

Hrvatski zavod za zdravstveno osiguranje (HZZO) is the Croatian Institute for Health Insurance, a government entity responsible for providing mandatory and supplementary health insurance services to Croatian citizens and business entities. The website serves as a comprehensive portal offering information on health insurance, parental support, e-health services, and access to various forms and contact points. It targets both individual citizens and business partners, positioning itself as the national authority in health insurance within Croatia. Technically, the website is built on Drupal 11 CMS, utilizing modern web technologies including jQuery, Hotjar for user behavior analytics, and Google Tag Manager for marketing and analytics integration. The site is mobile optimized, accessible, and well-structured with clear navigation and professional design. Performance is moderate, with no critical technical issues detected. From a security perspective, the site enforces HTTPS and implements cookie consent mechanisms compliant with GDPR. While explicit security headers like Content-Security-Policy are not clearly detected, the site follows good security practices typical for government portals. No vulnerabilities or exposed sensitive data were found in the HTML content. However, incident response and security policy pages are not publicly available, which could be improved. Overall, the website is trustworthy, professionally maintained, and compliant with privacy regulations. The lack of WHOIS data is due to GDPR restrictions and does not detract from the legitimacy of the domain, which is a Croatian government domain. Strategic recommendations include enhancing security header implementation, publishing security and incident response policies, and adding a vulnerability disclosure policy to improve transparency and security posture.

The security scan identified 30 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: Drupal 11, jQuery, Hotjar, Google Tag Manager.

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.

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Is hzzo.hr Safe? Security Analysis for Hrvatski zavod za zdravstveno osiguranje

https://hzzo.hr

Check if hzzo.hr is a scam or legitimate. Free security scan and reviews.

HealthcareCroatialarge
Drupal 11jQueryHotjarGoogle Tag Manager
Analyzed 11/1/2025Completed 8:20:45 AM4mo ago
60
Security Score
MEDIUM RISK

Below Healthcare avg (65)

10,000+

Domains scanned

500+

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SEQ SIA

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

Reg. No. 40203410806 • VAT LV40203410806

Support: guard@offseq.com+371 2256 5353

AI Summary

Hrvatski zavod za zdravstveno osiguranje (HZZO) is the Croatian Institute for Health Insurance, a government entity responsible for providing mandatory and supplementary health insurance services to Croatian citizens and business entities. The website serves as a comprehensive portal offering information on health insurance, parental support, e-health services, and access to various forms and contact points. It targets both individual citizens and business partners, positioning itself as the national authority in health insurance within Croatia. Technically, the website is built on Drupal 11 CMS, utilizing modern web technologies including jQuery, Hotjar for user behavior analytics, and Google Tag Manager for marketing and analytics integration. The site is mobile optimized, accessible, and well-structured with clear navigation and professional design. Performance is moderate, with no critical technical issues detected. From a security perspective, the site enforces HTTPS and implements cookie consent mechanisms compliant with GDPR. While explicit security headers like Content-Security-Policy are not clearly detected, the site follows good security practices typical for government portals. No vulnerabilities or exposed sensitive data were found in the HTML content. However, incident response and security policy pages are not publicly available, which could be improved. Overall, the website is trustworthy, professionally maintained, and compliant with privacy regulations. The lack of WHOIS data is due to GDPR restrictions and does not detract from the legitimacy of the domain, which is a Croatian government domain. Strategic recommendations include enhancing security header implementation, publishing security and incident response policies, and adding a vulnerability disclosure policy to improve transparency and security posture.

Detected Technologies

Drupal 11jQueryHotjarGoogle Tag Manager

12 urgent findings need attention

1 critical · 11 high

  • + 4 more findings in the full report below
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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

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Security Headers

6 findings

40/100

GDPR Compliance

5 findings

10/100

NIS2 Compliance

8 findings

17/100

Email Security

4 findings

70/100

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

HZZO operates as a government agency providing essential health insurance services in Croatia. Its market position is strong as the sole national health insurance provider, serving a large population and business sector. The business model is public service-oriented, funded by government and insurance contributions. The website supports multiple user segments including citizens and business partners, offering e-services and comprehensive information. The partnership ecosystem includes Croatian government portals and European Union institutions. Growth indicators include ongoing digital projects and e-health initiatives. The organization maintains a consistent brand and professional online presence, reinforcing trust and authority in the healthcare sector.

Security Posture Analysis

Comprehensive Security Assessment

The security maturity of the HZZO website is moderate to good. HTTPS is enforced, and cookie consent mechanisms ensure GDPR compliance. The site uses reputable third-party analytics and tracking tools with user consent. No critical vulnerabilities or exposed sensitive data were detected. However, the absence of explicit security headers like Content-Security-Policy and lack of publicly available security or incident response policies indicate room for improvement. The site does not publish a vulnerability disclosure or security.txt file, limiting transparency for security researchers. Overall, the security posture is adequate for a government portal but could be enhanced by adopting additional best practices and transparency measures.

Strategic Recommendations

Priority Actions for Security Improvement

1

Implement and enforce Content-Security-Policy and other security headers to mitigate XSS and clickjacking risks.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

Hrvatski zavod za zdravstveno osiguranje

Description:

Croatian Institute for Health Insurance providing mandatory and supplementary health insurance services, parental support, and health-related information to citizens and business entities.

Key Services:
Mandatory health insuranceSupplementary health insuranceParental support programse-Health servicesInformation and support for insured persons and partners
Content Quality:

good

Branding:

consistent

Technical Stack

Technologies:
Drupal 11jQueryHotjarGoogle Tag Manager
Frameworks:
Drupal CMS
Performance:

moderate

Mobile:

good

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
85/100
Best Practices:
  • HTTPS enforced
  • Cookie consent banner for GDPR compliance
  • No exposed sensitive data in HTML
  • Use of secure forms with CSRF tokens (implied by Drupal)

Analytics & Tracking

Services:
Google Tag ManagerHotjar
Tracking Level:moderate
Privacy Compliance:good

Advertising & Marketing

Tracking Pixels:
Hotjar
Marketing Tools:
Hotjar
Transparency Level:good

Website Quality Assessment

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

Key Observations

1

Website is a government health insurance portal for Croatia.

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

40/100
Score

Missing Strict-Transport-Security header

HIGH

Forces HTTPS connections

Missing Content-Security-Policy header

HIGH

Controls resources the browser is allowed to load

Missing X-XSS-Protection header

MEDIUM

Legacy XSS protection (deprecated but still recommended)

Missing Referrer-Policy header

LOW

Controls referrer information sent with requests

Missing Permissions-Policy header

MEDIUM

Controls browser features and APIs

Sensitive data may be cached

LOW

Cache-Control header should include "no-store" for sensitive pages

👤GDPR Compliance

Privacy and data protection assessment under GDPR regulations.

GDPR Compliance

Privacy and data protection assessment

10/100
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

EU business without adequate privacy measures

CRITICAL

EU businesses are subject to strict GDPR requirements

Third-party services without privacy policy

HIGH

Detected services: Google Analytics

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

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📧Email Security

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

Email Security

SPF, DKIM, and DMARC validation

70/100
Score

No DKIM record found

MEDIUM

DKIM adds cryptographic signatures to emails

No BIMI Record

LOW

BIMI displays brand logos in email clients

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 mx ip4:161.53.113.6 ip4:161.53.102.12 -all
DNS Lookups:1/10
Policy:-all
DMARC Details
Policy:reject
Subdomain Policy:reject
Aggregate Reports:dmarc@hzzo.hr

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

77/100
Score

Weak Protocols Supported

HIGH

Server supports weak protocols: TLSv1.1

OCSP Stapling Not Enabled

LOW

OCSP stapling improves performance and privacy

Certificate Transparency Not Implemented

LOW

Certificate is not logged in Certificate Transparency logs

Partial SSL/TLS Assessment

LOW

Completed 3 of 4 security checks due to time constraints

Protocol Support

TLSv1.3TLSv1.2TLSv1.1

OCSP Status

OCSP Stapling Disabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

85/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found

DNS Records

A Records:13.248.193.230, 76.223.6.160
Name Servers:
hzzodns01.hzzo.hrDNS only
hzzodns02.hzzo.hrDNS only
MX Records:
10: hzzoimsa1.hzzo-net.hr
10: hzzoimsa2.hzzo-net.hr
SOA:Serial: 2025103001, TTL: 3600s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:43ms

SPF Analysis

SPF Record:
v=spf1 mx ip4:161.53.113.6 ip4:161.53.102.12 -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 hzzo.hr compare?

See how hzzo.hr 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 is built on Drupal 11, a modern and supported CMS platform, ensuring a solid technical foundation. It uses jQuery and integrates Hotjar and Google Tag Manager for analytics and marketing purposes. The site is mobile responsive and accessible, with good SEO practices including meta tags and Open Graph data. Performance is moderate, with no major technical debt or errors detected in the HTML content. The site uses HTTPS with a good SSL configuration. Opportunities for modernization include implementing advanced security headers and optimizing third-party script usage to improve performance and security.
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PDF Report & Export

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39.90 €one-time • Incl. 21% VAT

Marketing Intelligence

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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

Domainhzzo.hr
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

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