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Security report for tk.de

Techniker Krankenkasse · Healthcare · Germany

Medium risk. 3 critical or high findings in GDPR outside view.

Security score

71/100

Risk levelMedium

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

Techniker Krankenkasse (TK) is a leading German statutory health insurance provider offering comprehensive health and care insurance services. The website emphasizes digital innovation, customer convenience, and broad service offerings including electronic patient records, digital health coaching, and prevention programs. TK targets a wide audience including students, professionals, families, and seniors, positioning itself as a trusted and customer-centric insurer in Germany. The site is professionally designed with excellent content quality and clear navigation, supporting multiple languages and accessibility features. From a technical perspective, the website is hosted on Apache servers managed by Versatel, uses modern JavaScript analytics tools such as Webtrekk and Tealium, and integrates external services like Google Maps and Adform for advertising. The site is mobile-optimized and performs well with fast load times and good SEO practices. Security is robust with HTTPS enforced, strong TLS 1.2 cipher suites, and comprehensive security headers including CSP and HSTS (though HSTS could be improved with subdomain inclusion and preload). Privacy compliance is well addressed with clear privacy and cookie policies, a consent management dialog, and GDPR adherence. However, no explicit security policy or incident response contact information is published, and no vulnerability disclosure or security.txt file is found. Overall, the security posture is strong with no detected vulnerabilities or exposed sensitive data. The website demonstrates a mature digital presence with extensive analytics and marketing tools, balanced with user privacy considerations. Strategic recommendations include enabling TLS 1.3, improving HSTS settings, implementing OCSP stapling, and publishing incident response and vulnerability disclosure information to enhance trust and security transparency.

Scanned

This is an earlier scan of tk.de. View the latest report

NIS2 and GDPR posture

GDPR outside view
18/ 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

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.

    • 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 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

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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
87
Security headers
85
Email security
50
DNS health
85
Network security
100
GDPR outside view
18
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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention tk.de, from OffSeq Breach.

Total records
24,414
Employees
0
Customers
24,341
Third parties
73
Weak passwords
7%

33 subdomains affected

See the 10 newest leaked credentials

A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for tk.de.

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Breach keeps ingesting new leaks, so these numbers can grow between scans.

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

TK holds a strong market position as one of Germany's largest statutory health insurers, leveraging digital transformation to enhance customer experience and operational efficiency. Its business model focuses on providing statutory health insurance with added digital services such as TK-Doc and TK-Coach, electronic patient records, and online claim management. Revenue streams likely include statutory contributions and supplementary services. The target customer segments are broad, including students, working professionals, families, and seniors, supported by tailored services for each group. TK's partnership ecosystem includes technology providers (Google Maps, Adform), media hosting (AdmiralCloud), and analytics platforms (Webtrekk, Tealium). The company emphasizes sustainability and digital responsibility, reflecting strategic priorities in corporate social responsibility and innovation. Growth indicators include digital service expansion and customer satisfaction awards. The website content and structure support a professional and trustworthy brand image.

Security posture

The website exhibits a mature security posture with enforced HTTPS using TLS 1.2 and strong cipher suites, mitigating common cryptographic vulnerabilities. Security headers such as X-Frame-Options, X-XSS-Protection, X-Content-Type-Options, and a restrictive Content Security Policy are implemented, enhancing protection against clickjacking, XSS, and MIME sniffing attacks. The cookie settings use Secure, HttpOnly, and SameSite=None flags, improving session security. No known vulnerabilities like Heartbleed, FREAK, or Logjam are present. However, TLS 1.3 is not enabled, and OCSP stapling is disabled, which could be improved for better security and performance. The absence of a published security policy, incident response contacts, or vulnerability disclosure mechanisms represents a compliance gap and reduces transparency. Overall, the site protects user data well but could enhance its security culture and incident readiness by publishing relevant policies and contacts.

Recommendations

  1. Enable TLS 1.3 support to improve encryption strength and connection performance.
  2. Enhance HSTS policy by including subdomains and submitting for preload to enforce HTTPS strictly.
  3. Implement OCSP stapling to improve certificate revocation checking and reduce latency.
  4. Publish a clear security policy and incident response contact information on the website.
  5. Create and publish a security.txt file to facilitate vulnerability disclosure and improve transparency.
Technical notes

Notes

The website runs on an Apache server hosted by Versatel with DNS managed by Versatel nameservers. It uses a custom or proprietary CMS with modern front-end technologies including custom fonts and CSS, and JavaScript for analytics and user interaction. The tech stack integrates third-party services such as Google Maps API, Adform for advertising, and AdmiralCloud for media hosting. Performance is fast with optimized images and responsive design. Accessibility is addressed with ARIA roles and keyboard navigation aids. SEO is supported by comprehensive meta tags, Open Graph, Twitter cards, and JSON-LD structured data describing the organization. The site uses a consent manager for cookie compliance. Technical risks are low, but modernization opportunities include adopting TLS 1.3, enabling OCSP stapling, and improving session resumption mechanisms.
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. 73/100Medium28 findingsView report
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