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Security report for menzis.nl

Menzis · Healthcare · Netherlands

Low risk. 2 critical or high findings in GDPR outside view and SSL/TLS.

Security score

85/100

Risk levelLow

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

Menzis is a major Dutch health insurance provider offering a range of insurance products including basic, supplementary, collective, and dental insurance. The website targets consumers in the Netherlands seeking health insurance and related services. It provides clear navigation, comprehensive service information, and digital tools such as a mobile app to enhance customer experience. The company positions itself as a non-profit insurer with a strong customer base and positive ratings. Technically, the website employs modern JavaScript frameworks, Google Tag Manager, and Microsoft Application Insights for analytics and monitoring. The site is mobile optimized, accessible, and SEO friendly. Security posture is good with HTTPS enforced and cookie consent mechanisms in place, though explicit security headers and incident response information are lacking. Overall, the site is professional, trustworthy, and compliant with GDPR requirements.

Scanned

NIS2 and GDPR posture

GDPR outside view
73/ 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. GDPR outside view

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

    • 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

  2. 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 menzis.nl

This scan found 13 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
82
Security headers
85
Email security
85
DNS health
85
Network security
100
GDPR outside view
73
Average
85

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

Menzis holds a strong market position as a large health insurer in the Netherlands with over 1.4 million members. Its business model focuses on providing comprehensive health insurance products with excellent customer service and digital self-service options. The company leverages partnerships such as Cooperatie Menzis to extend its ecosystem. The website reflects a mature digital presence with integrated analytics and marketing tools. Growth indicators include emphasis on customer ratings and additional benefits like health coaching and apps. The absence of direct contact emails or phone numbers suggests a preference for controlled communication channels via forms and portals.

Security posture

The website demonstrates a solid security foundation with HTTPS and cookie consent compliance. Use of Microsoft Application Insights indicates active monitoring. However, the absence of explicit security headers (e.g., CSP, HSTS) and lack of published security policies or incident response contacts represent gaps. No vulnerabilities or exposed sensitive data were detected in the content. The site does not provide a vulnerability disclosure program or security.txt file, which could improve transparency and security culture. Overall, the security posture is good but could be enhanced with additional best practices and public security documentation.

Recommendations

  1. Implement and publish a formal security policy and incident response contact information on the website.
  2. Add security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security to enhance protection.
  3. Establish a vulnerability disclosure program and publish a security.txt file to encourage responsible reporting.
  4. Consider providing direct verified contact emails or phone numbers for customer support and security incidents to improve trust.
  5. Regularly review and update cookie and privacy policies to maintain GDPR compliance and transparency.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Menzis
Description
Zorgverzekeraar Menzis biedt zorgverzekeringen met uitstekende vergoedingen en goede dienstverlening aan consumenten in Nederland.
Key services
Basic health insurance, Supplementary insurance, Dental insurance, Collective insurance, Travel insurance, Customer service and claims handling
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, Google Tag Manager, Microsoft Application Insights, Conversationals Development chatbot
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of Application Insights for monitoring
  • Cookie consent mechanism implemented

Analytics and tracking

Services
Google Tag Manager, Microsoft Application Insights
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Dwin1
Tracking pixels
Microsoft Application Insights
Marketing tools
Microsoft Application Insights
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and well-structured for consumer health insurance services.
  2. Comprehensive cookie consent and privacy policy mechanisms are in place.
  3. No direct contact emails or phone numbers explicitly listed on the homepage; contact primarily via forms.
  4. Use of modern analytics and monitoring tools with appropriate consent.
  5. No visible security policy or incident response contact information.
  6. No security.txt or vulnerability disclosure page found.
  7. No suspicious or malicious content detected.
  8. Content is fully accessible without WAF or blocking.
Technical notes

Notes

The website uses a modern JavaScript-based front-end with asynchronous loading of analytics and chatbot scripts. Google Tag Manager and Microsoft Application Insights are integrated for tracking and monitoring. The site is mobile optimized and accessible with semantic HTML and ARIA attributes. Performance is moderate with some external dependencies. No CMS or hosting provider details were explicitly detected. The technical implementation supports a good user experience but could benefit from enhanced security headers and performance optimizations.
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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