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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

71/100

Risk levelMedium

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

De christelijke zorgverzekeraar is a Dutch health insurance provider focusing on Christian values, offering basic and supplementary insurance products tailored to their niche audience. The website reflects a medium-sized enterprise with consistent branding and a clear market position supported by its affiliation with the parent company Zilveren Kruis. Technically, the site uses modern CMS (Sitecore) and search technologies (Coveo), but suffers from slow performance and lacks a valid SSL certificate, which is a critical security concern. Privacy policies are present and GDPR compliance is indicated, though no explicit cookie consent mechanism is detected. Overall, the site is professional and trustworthy but requires urgent security improvements.

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 11 issues across 5 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
100
Security headers
85
Email security
50
DNS health
90
Network security
100
GDPR outside view
0
Average
71

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 targets the Dutch Christian community with specialized healthcare insurance products, leveraging partnerships and a parent company to strengthen market presence. Their business model centers on providing both general and Christian care insurance, with services including claims processing and customer support. The website content and navigation are well-structured, supporting user engagement and conversion. Marketing and analytics tools like Relay42 and Coveo are used for user tracking and search optimization, indicating a moderate level of digital maturity.

Security posture

The security posture is weak due to the absence of a valid SSL certificate and lack of modern TLS protocols. No security headers are detected, and advanced features like HSTS and OCSP stapling are missing. These issues expose users to potential risks such as data interception and downgrade attacks. No explicit incident response or vulnerability disclosure policies are found, which limits transparency and preparedness. Immediate remediation of SSL/TLS configuration and implementation of security best practices are recommended to mitigate risks.

Recommendations

  1. Install and maintain a valid SSL/TLS certificate to secure all site traffic.
  2. Enable TLS 1.2 or TLS 1.3 protocols and disable outdated versions.
  3. Implement HTTP security headers including HSTS with preload and includeSubDomains.
  4. Establish and publish an incident response and vulnerability disclosure policy.
  5. Enhance privacy compliance by adding explicit cookie consent mechanisms.

Contact details published on the site

Addresses
Technical notes

Notes

The website is built on Sitecore CMS and uses jQuery and Vue.js for frontend interactivity, along with Coveo for search functionality. Images are served via Imgix CDN for optimization. Despite modern technologies, the site suffers from slow load times (23+ seconds) and a large page size (~190KB). Accessibility and SEO are basic to good, with proper meta tags and responsive design. Hosting appears to be on Microsoft Azure, inferred from IP and MX records. Technical debt is evident in the lack of SSL and security headers, which should be prioritized for business continuity and user trust.
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. 63/100Medium19 findingsView report
  2. 63/100Medium19 findingsView report
  3. 63/100Medium19 findingsView report
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