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Security report for dechristelijkezorgverzekeraar.nl

De christelijke zorgverzekeraar · Healthcare · Netherlands

Medium risk. 5 critical or high findings in GDPR outside view.

Security score

63/100

Risk levelMedium

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

De christelijke zorgverzekeraar is a Dutch health insurance provider that integrates Christian values into its healthcare offerings. It operates as part of the larger Zilveren Kruis group, providing basic and additional health insurance products tailored to individuals seeking faith-based care. The website presents a professional and well-structured digital presence with clear navigation and relevant content for its target audience. Technically, the site uses modern web technologies including jQuery, Vue.js, and Coveo search integrated with Sitecore CMS, hosted likely on Microsoft Azure infrastructure. However, a critical security concern is the absence of a valid SSL certificate and disabled TLS protocols, which severely impacts the security posture and user trust. The site employs comprehensive security headers and extensive third-party analytics and marketing tools, indicating a mature digital marketing strategy but with room for improvement in privacy compliance and security best practices. Overall, the website is functional and credible but requires urgent SSL/TLS remediation to meet modern security standards.

Scanned

This is an earlier scan of dechristelijkezorgverzekeraar.nl. View the latest report

NIS2 and GDPR posture

GDPR outside view
0/ 100 · Critical
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

5 findings rated critical or high. Fix these first.

  1. GDPR outside view

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

    • Critical

      EU business without adequate privacy measures

      EU businesses are subject to strict GDPR requirements

      What to do: Implement comprehensive GDPR compliance including privacy policy, cookie consent, and data protection measures

    • High

      No Privacy Policy found

      GDPR requires a clear and accessible privacy policy

      What to do: Add a comprehensive privacy policy page and link to it prominently

    • 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

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

    • High

      Third-party services without privacy policy

      Detected services: Facebook, Twitter, LinkedIn, YouTube

      What to do: Document all third-party data sharing in your privacy policy

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

Keep watching dechristelijkezorgverzekeraar.nl

This scan found 12 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.

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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
50
Security headers
85
Email security
50
DNS health
90
Network security
100
GDPR outside view
0
Average
63

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

The company positions itself as a niche health insurer focusing on Christian care in the Netherlands, leveraging its affiliation with Zilveren Kruis to enhance market credibility. Its business model centers on providing both general and faith-aligned insurance products, supported by customer service and digital tools such as a mobile app and online self-help resources. The presence of customer satisfaction ratings and quality agreements highlights a customer-centric approach. The extensive use of analytics and marketing platforms suggests active engagement in digital customer acquisition and retention. Partnerships with related healthcare and insurance entities strengthen its ecosystem. No direct revenue or financial data is available, but the medium size and parent company affiliation indicate a stable market presence.

Security posture

The website demonstrates a moderate security maturity level with well-configured HTTP security headers including CSP, X-Frame-Options, and X-XSS-Protection. Cookies are set with Secure and HttpOnly flags, and the site enforces strict transport security headers. However, the lack of a valid SSL certificate and disabled TLS protocols represent critical vulnerabilities that expose users to potential interception and trust issues. No evidence of incident response or vulnerability disclosure mechanisms was found, which could hinder timely mitigation of security incidents. The extensive use of third-party scripts and trackers increases the attack surface and privacy risks. Overall, while some best practices are implemented, the fundamental SSL/TLS issues significantly degrade the security posture.

Recommendations

  1. Install and maintain a valid SSL certificate supporting TLS 1.2 or higher to secure all communications.
  2. Enable and enforce HSTS with includeSubDomains and preload flags to prevent protocol downgrade attacks.
  3. Implement OCSP stapling and session resumption to improve SSL performance and security.
  4. Review and minimize use of unsafe-eval and unsafe-inline in CSP to reduce XSS risks.
  5. Establish a public vulnerability disclosure policy and incident response contact to enhance security transparency.

Contact details published on the site

Addresses
Technical notes

Notes

The website is built on a robust technical foundation using Sitecore CMS integrated with Coveo search technology and Vue.js for frontend interactivity. It leverages jQuery for legacy support and is hosted on cloud infrastructure, likely Microsoft Azure, as indicated by monitoring scripts. The site is mobile-optimized with responsive images and accessible navigation. SEO is supported by proper meta tags and Open Graph data. However, performance metrics were not available, and SSL/TLS configuration is inadequate, posing risks to user data and site reputation. The extensive inclusion of third-party analytics and marketing scripts suggests a complex ecosystem that requires careful management to avoid performance degradation and privacy issues.
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

Earlier scans of this domain

  1. 71/100 +8Medium19 findingsView report
  2. 63/100Medium19 findingsView report
  3. 63/100Medium19 findingsView report
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