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Security report for stlukes.com.au

St Lukes · Healthcare · Australia

Low risk. 2 critical or high findings in Security headers and GDPR outside view.

Security score

83/100

Risk levelLow

0–100, higher is better. How it is calculated

St Lukes is a well-established Tasmanian not-for-profit health insurance provider with over 70 years of service. The company offers a variety of health insurance products, dental services, and wellness programs tailored to the needs of Tasmanian residents. The website reflects a strong community focus and commitment to improving health outcomes in the region. Technically, the site is built on modern frameworks such as Next.js and React, ensuring fast performance and excellent mobile optimization. Security posture is strong with HTTPS enforced and standard security headers present, although explicit security policies and incident response contacts are not publicly disclosed. Privacy compliance is well addressed with clear privacy and cookie policies, including consent mechanisms. Overall, the website presents a professional, trustworthy, and user-friendly digital presence that aligns with the company's business model and market position.

Scanned

NIS2 and GDPR posture

GDPR outside view
68/ 100 · Medium
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

2 findings rated critical or high. Fix these first.

  1. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

  2. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

Need hands-on remediation? Email guard@offseq.com

Keep watching stlukes.com.au

This scan found 16 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

Daily monitoring

Recommended

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  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
95
Security headers
75
Email security
80
DNS health
80
Network security
100
GDPR outside view
68
Average
83

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

St Lukes operates in the healthcare and non-profit sectors, focusing on private health insurance and community wellness. Its market position is that of a regional leader in Tasmania, leveraging its long history and community ties. The business model centers on providing affordable and comprehensive health insurance products with added member benefits. Revenue streams likely include insurance premiums and wellness program fees. The target customer segment is primarily Tasmanian individuals and families seeking private health coverage. The company maintains a clear partnership ecosystem, including dental networks and wellness hubs, enhancing its service offerings. Strategic observations suggest a focus on sustainable health initiatives and political advocacy to support community health improvements.

Security posture

The website demonstrates a mature security posture with HTTPS enforced and multiple security headers implemented. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, the absence of a public security policy, vulnerability disclosure program, or incident response contact information indicates areas for improvement. Compliance with GDPR is evident through privacy policies and cookie consent mechanisms. The use of third-party tracking scripts like Google Tag Manager and Facebook Pixel is managed with privacy considerations. Overall, the security maturity is good but could be enhanced by publishing explicit security governance documents and establishing clear incident response channels.

Recommendations

  1. Publish a dedicated security policy page outlining security frameworks and practices.
  2. Implement and publicize a vulnerability disclosure program or security.txt file.
  3. Provide clear incident response contact information for security issues.
  4. Regularly audit third-party scripts and dependencies for vulnerabilities.
  5. Enhance transparency around data retention policies and user privacy controls.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
St Lukes
Description
St Lukes is a Tasmanian not-for-profit organisation providing private health insurance for over 70 years, offering a range of health covers and services tailored to Tasmanians.
Key services
Private health insurance, Dental services, Health and wellness programs, Member benefits and support
Content quality
excellent
Branding
consistent

Technology

Stack
React, Next.js, JavaScript, Webpack
Frameworks
Next.js
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Secure forms with proper input types
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Tag Manager, Facebook Pixel
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Facebook Pixel
Marketing tools
Facebook Pixel
Transparency
good

Site quality

Design
excellent
User experience
excellent
Content relevance
excellent
Navigation
excellent
Professionalism
excellent
Trustworthiness
high

Key observations

  1. Website is fully accessible with no blocking or WAF challenges.
  2. Content is professionally presented with clear navigation and comprehensive service information.
  3. Strong focus on member benefits and community health initiatives.
  4. Use of modern web technologies and frameworks.
  5. Privacy and cookie policies are present and GDPR compliant.
  6. No security policy or incident response information publicly available.
  7. WHOIS data is unavailable due to privacy or query failure, but no suspicious indicators found.
  8. Contact information includes a clear phone number and contact forms.
  9. No adult or questionable content detected.
Technical notes

Notes

The website is built using Next.js and React, leveraging modern JavaScript and Webpack for bundling. It employs responsive design techniques ensuring excellent mobile optimization and accessibility. Performance is fast with efficient image loading and preloading strategies. SEO is well addressed with comprehensive meta tags, Open Graph, and Twitter card metadata. No CMS was explicitly detected, suggesting a custom or headless CMS approach. Hosting provider details are not disclosed in the HTML content. The technical infrastructure supports a professional and scalable web presence with opportunities to improve documentation and security transparency.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

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