Skip to main content

Security report for concordia.ch

CONCORDIA · Healthcare · Switzerland

Low risk. 3 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

78/100

Risk levelLow

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

CONCORDIA is a well-established Swiss health insurance provider offering a comprehensive range of insurance and pension provision services tailored for individuals and families. The company maintains a strong market position supported by multiple agencies and a broad service portfolio including basic and supplementary health insurance, private pension solutions, and digital health advisory services. The website reflects a professional and user-friendly digital presence with clear navigation and extensive content relevant to its target audience. Technically, the website is built on Adobe Experience Manager, leveraging modern web technologies such as jQuery and Adobe Analytics for performance and user insights. The site is mobile-optimized, accessible, and SEO-friendly, ensuring a positive user experience across devices. Security measures include HTTPS enforcement, appropriate security headers, and secure form handling, indicating a mature security posture. While the site demonstrates strong privacy compliance with a comprehensive privacy policy and cookie consent mechanism, it lacks explicit incident response contact details and a vulnerability disclosure policy. The WHOIS data aligns well with the business claims, showing no suspicious patterns and supporting the legitimacy of the domain. Overall, CONCORDIA's website is a trustworthy, secure, and professionally maintained platform that effectively supports its business objectives and customer engagement.

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

3 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

  3. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1

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

Keep watching concordia.ch

This scan found 17 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

€25per month

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

Email alerts on material changes and an exportable JSON history of every change.

Billed monthly to your card. Cancel anytime. The full timeline opens with your unlock code.

Full report

€39.90one-time

  • The complete analysis as a PDF you can cite
  • Email delivery with an unlock code
  • Lifetime access to this report

Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

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
77
Security headers
70
Email security
75
DNS health
80
Network security
100
GDPR outside view
68
Average
78

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

CONCORDIA operates in the healthcare insurance sector in Switzerland, targeting individuals and families seeking health and pension insurance products. The company leverages a direct-to-consumer business model with a strong emphasis on personalized service through its network of agencies and digital channels. Its competitive advantages include a comprehensive product range, digital health services like concordiaMed, and recognized industry awards enhancing brand trust. The company’s partnerships and social media presence further strengthen its market reach and customer engagement. Growth indicators include active promotion of switching services and digital tools such as premium calculators, indicating a focus on customer acquisition and retention.

Security posture

The website demonstrates a solid security posture with HTTPS enforced and multiple security headers implemented, reducing risks of common web attacks. The absence of exposed sensitive data and secure form configurations further enhance security. However, the lack of a published incident response contact or vulnerability disclosure policy represents a gap in transparency and readiness for security incidents. Compliance with GDPR is evident through the privacy policy and cookie consent mechanisms. No critical vulnerabilities or suspicious scripts were detected, indicating good security hygiene.

Recommendations

  1. Publish explicit incident response and abuse contact information to improve transparency and readiness.
  2. Implement and publish a vulnerability disclosure or security.txt file to encourage responsible reporting of security issues.
  3. Add a clearly accessible terms of service page to complete legal compliance and user agreement clarity.
  4. Regularly audit third-party scripts and libraries to ensure no vulnerabilities or outdated components are present.
  5. Enhance data retention policy disclosures to align with privacy best practices and user expectations.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
CONCORDIA
Description
Health insurance and provision. CONCORDIA, the family insurance, accompanies you throughout all phases of your life.
Key services
Basic health insurance, Supplementary health insurance, Private pension provision, Health advisory services, Digital health assistant (concordiaMed), Customer service and agency support
Content quality
excellent
Branding
consistent

Technology

Stack
Adobe Experience Manager (AEM), jQuery, Adobe DTM (Dynamic Tag Manager), Adobe Analytics, APNGCanvas, SVG sprites
Frameworks
Adobe Experience Manager
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of security headers
  • No exposed sensitive data in HTML
  • Secure forms with autocomplete off

Analytics and tracking

Services
Adobe Analytics
Tracking level
minimal
Privacy practices
good

Advertising

Tracking pixels
Adobe Analytics
Marketing tools
Adobe DTM
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and well-structured.
  2. Comprehensive service offerings with clear navigation.
  3. Strong privacy and cookie compliance with user consent.
  4. No signs of malicious or suspicious activity.
  5. Active social media presence and customer engagement.
  6. Use of modern CMS and analytics tools.
  7. No visible security or compliance red flags.
Technical notes

Notes

The website is built on Adobe Experience Manager, a robust enterprise CMS platform, ensuring scalability and content management efficiency. Use of Adobe DTM and Adobe Analytics indicates mature digital marketing and user behavior tracking capabilities. The site uses modern web standards including responsive images, SVG icons, and asynchronous script loading for performance optimization. Mobile optimization and accessibility features are well implemented. Performance is moderate, likely influenced by rich media content and analytics scripts. There is no indication of legacy or vulnerable libraries. Opportunities exist to improve hosting transparency and further optimize load times.
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

Reviews of this site

Share your experience with concordia.ch. Every review is verified by email and published after moderation.

Overall rating
Select a rating
4000 characters remaining

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

Community rating

No published reviews yet. Be the first to review concordia.ch.

Feedback on this report

Rate this report, add an optional comment, and tell us if you want a security specialist 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.