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Security report for pat-bvg.ch

PAT BVG · Healthcare · Switzerland

Medium risk. 3 critical or high findings in GDPR outside view, SSL/TLS and 1 other check.

Security score

68/100

Risk levelMedium

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

PAT BVG is a specialized pension fund serving medical professionals in Switzerland, including doctors and veterinarians. Established in 1984, it offers occupational pension solutions tailored for employers, self-employed individuals, and employees within the medical sector. The organization also incorporates real estate investments as part of its asset management strategy. The website reflects a mature market position with clear business focus and professional presentation. Technically, the site is built on TYPO3 CMS with modern JavaScript libraries and frameworks, ensuring good performance and mobile optimization. Security posture is solid with HTTPS and privacy compliance measures such as cookie consent and IP anonymization in analytics, though some security headers and explicit security policies are absent. Overall, the site is trustworthy, well-maintained, and compliant with relevant privacy regulations.

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. 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

  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

  3. Network security

    Services reachable from the internet are the first thing attackers probe. Anything open that does not need to be should be closed.

    • High

      High-Risk Service Exposed: FTP

      Port 21 (FTP) is publicly accessible - FTP - Often unencrypted file transfer

      What to do: Consider restricting access to FTP or implementing strong authentication

      • NIS2 21(2)(e)
      • IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
      • NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
      • NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection

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  • TLS certificates and expiry
  • DNS records
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  • Security headers
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  • 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
72
Security headers
80
Email security
85
DNS health
85
Network security
20
GDPR outside view
68
Average
68

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

PAT BVG operates as a non-profit pension fund targeting the healthcare sector, specifically medical professionals. Its competitive advantage lies in its niche focus and longstanding presence since 1984. The business model centers on providing pension and related financial services, supported by a network of partners such as medisuisse and Die Ärzteversicherung. The website indicates steady growth and a comprehensive service offering including voluntary purchases and home ownership promotion. The presence of detailed contact information and multilingual support suggests a customer-centric approach. Strategic partnerships and transparent reporting enhance credibility and market positioning.

Security posture

The website demonstrates a good security baseline with enforced HTTPS and privacy-conscious analytics configuration. The presence of a cookie consent banner aligns with GDPR requirements. However, the absence of explicit security headers like Content-Security-Policy and lack of published security or incident response policies represent areas for improvement. No vulnerabilities or exposed sensitive data were detected in the analysis. The site would benefit from publishing a security.txt file and providing clear incident response contact channels to enhance trust and readiness.

Recommendations

  1. Implement HTTP security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to mitigate common web attacks.
  2. Publish a dedicated security policy page including incident response contact information to improve transparency and preparedness.
  3. Add a vulnerability disclosure or security.txt file to facilitate responsible reporting of security issues.
  4. Enhance monitoring and periodic security audits to ensure continued protection against emerging threats.
  5. Maintain and update privacy and cookie policies regularly to stay compliant with evolving regulations.

Contact details published on the site

Addresses
Legal name
PAT BVG
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
PAT BVG
Description
PAT BVG is a pension fund specialized for medical professions, offering occupational pension solutions for employers, self-employed, and employees. It also invests in real estate as part of its asset strategy.
Key services
Occupational pension solutions, Voluntary purchases, Invalidity and death benefits, Home ownership promotion, Real estate investments
Content quality
excellent
Branding
consistent

Technology

Stack
TYPO3 CMS, jQuery, Swiper.js, Plyr video player, Bootstrap
Frameworks
TYPO3 CMS
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • IP anonymization in Google Analytics
  • Cookie consent banner with dismissal

Analytics and tracking

Services
Google Analytics, Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Transparency
basic

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 in German with multilingual support (French, Italian)
  3. Clear navigation structure with dedicated sections for employers, self-employed, and employees
  4. Use of modern web technologies and CMS (TYPO3)
  5. Presence of cookie consent and privacy policy indicating GDPR compliance
  6. Contact information is detailed and includes phone, email, and physical addresses
  7. No visible security policy or incident response contacts
  8. No terms of service page found
  9. Use of Google Analytics with IP anonymization
  10. Partner logos indicate industry affiliations
Technical notes

Notes

The website is powered by TYPO3 CMS, a robust and widely used content management system. It utilizes modern JavaScript libraries including jQuery, Swiper.js for sliders, and Plyr for video playback, ensuring a rich user experience. The site is mobile-optimized and includes accessibility features. Performance is moderate, with compressed CSS and JavaScript assets. SEO is well addressed with meta tags, Open Graph, and JSON-LD structured data. Hosting provider details are not explicitly identified. The technical stack is modern and well-maintained, though opportunities exist to enhance security headers and optimize performance further.
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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