Is hzzo.hr Safe? Security Analysis for Hrvatski zavod za zdravstveno osiguranje
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Below Healthcare avg (65)
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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
12 urgent findings need attention
1 critical · 11 high
- + 4 more findings in the full report below
Keep hzzo.hr 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
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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
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
Hrvatski zavod za zdravstveno osiguranje
Croatian Institute for Health Insurance providing mandatory and supplementary health insurance services, parental support, and health-related information to citizens and business entities.
good
consistent
Technical Stack
moderate
good
good
good
Security Assessment
- 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
Advertising & Marketing
Website Quality Assessment
Key Observations
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
Missing Strict-Transport-Security header
HIGHForces HTTPS connections
Missing Content-Security-Policy header
HIGHControls resources the browser is allowed to load
Missing X-XSS-Protection header
MEDIUMLegacy XSS protection (deprecated but still recommended)
Missing Referrer-Policy header
LOWControls referrer information sent with requests
Missing Permissions-Policy header
MEDIUMControls browser features and APIs
Sensitive data may be cached
LOWCache-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
No Privacy Policy found
HIGHGDPR requires a clear and accessible privacy policy
No Cookie Policy found
HIGHGDPR requires clear information about cookie usage
No Cookie Consent Banner found
HIGHGDPR requires explicit consent for non-essential cookies
EU business without adequate privacy measures
CRITICALEU businesses are subject to strict GDPR requirements
Third-party services without privacy policy
HIGHDetected services: Google Analytics
GDPR Compliance Analysis
🛡️NIS2 Compliance
Network & Information Security Directive compliance assessment.
NIS2 Compliance
Network & Information Security Directive
No information security framework found
HIGHNIS2 requires documented cybersecurity and information security measures
No vulnerability disclosure policy
MEDIUMNIS2 encourages coordinated vulnerability disclosure
No security policy documentation found
HIGHNIS2 requires documented cybersecurity governance and risk management
No incident response procedures found
HIGHNIS2 requires documented incident response and business continuity plans
No business continuity planning found
MEDIUMNIS2 emphasizes operational resilience and business continuity
No security contact information
HIGHNIS2 requires clear incident reporting channels
No vulnerability reporting mechanism
MEDIUMClear vulnerability reporting supports coordinated disclosure
No NIS2 reference found
LOWConsider 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
No DKIM record found
MEDIUMDKIM adds cryptographic signatures to emails
No BIMI Record
LOWBIMI displays brand logos in email clients
No MTA-STS Policy
MEDIUMMTA-STS enforces TLS for email delivery
No TLS-RPT Record
LOWTLS-RPT provides reporting for email TLS issues
SPF Details
DMARC Details
🏆SSL/TLS Security
Certificate validity and encryption analysis.
SSL/TLS Security
Certificate validity and encryption analysis
Weak Protocols Supported
HIGHServer supports weak protocols: TLSv1.1
OCSP Stapling Not Enabled
LOWOCSP stapling improves performance and privacy
Certificate Transparency Not Implemented
LOWCertificate is not logged in Certificate Transparency logs
Partial SSL/TLS Assessment
LOWCompleted 3 of 4 security checks due to time constraints
Protocol Support
OCSP Status
📊DNS Health
DNS configuration and security assessment.
DNS Health
DNS configuration and security assessment
DNSSEC Not Enabled
MEDIUMDNSSEC is not configured for this domain
CAA Records Not Configured
LOWCertificate Authority Authorization (CAA) records not found
DNS Records
DNSSEC Status
DNS Performance
SPF Analysis
⚡Network Security
Port scanning and network exposure analysis.
Network Security
Port scanning and network exposure analysis
Good Network Security Posture
LOWNo 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
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PDF Report & Export
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Marketing Intelligence
Contact emails, phone numbers & warm leads
Plan Comparison
| Feature | PDF Report | Marketing+ |
|---|---|---|
| Full security analysis | ||
| Professional PDF export | ||
| Email delivery | ||
| Lifetime access + unlock code | ||
| Contact emails & phones | — | |
| Marketing outreach data | — |
Already purchased?
Order summary
Digital reports are delivered immediately after payment. By continuing you acknowledge the withdrawal waiver described in our Returns & Refunds policy.
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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