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Security report for zilverenkruis.nl

Zilveren Kruis · Healthcare · Netherlands

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

Security score

69/100

Risk levelMedium

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

Zilveren Kruis is a leading Dutch health insurance provider, part of the Achmea group, offering a wide range of insurance products including basic health insurance, supplementary insurance, dental, travel, car, and home insurance. The website targets consumers primarily in the Netherlands and provides comprehensive information and services related to health insurance. Technically, the site is built on Sitecore CMS with modern JavaScript frameworks like Vue.js and jQuery, and integrates Coveo for search functionality. While the site is well-designed, mobile-optimized, and rich in content, it suffers from critical SSL certificate issues that severely impact its security posture. The presence of strong security headers and extensive privacy policies indicates a mature approach to compliance, but the lack of valid HTTPS and modern TLS protocols is a significant risk. Overall, the domain registration data aligns well with the business claims, supporting the legitimacy of the site. Strategic improvements in SSL configuration and security practices are recommended to enhance trust and security.

Scanned

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, YouTube

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

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

Keep watching zilverenkruis.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
90
Security headers
85
Email security
50
DNS health
90
Network security
100
GDPR outside view
0
Average
69

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

Zilveren Kruis holds a strong market position as the largest collective health insurer in the Netherlands, serving over 3.8 million customers. Its affiliation with Achmea provides a robust backing and partnership ecosystem including brands like Defriesland, Prolife, FBTO, and Interpolis. The business model focuses on providing comprehensive insurance coverage with digital services such as a mobile app for claims and policy management. The company leverages multiple marketing and analytics tools to optimize customer engagement and service delivery. Growth indicators include a strong online presence, high customer ratings, and active community engagement. The website content and navigation reflect a customer-centric approach with clear segmentation and service offerings.

Security posture

The website demonstrates a moderate security maturity level with the implementation of multiple security headers including CSP, X-Frame-Options, and X-XSS-Protection. Cookies are set with Secure and HttpOnly flags, and a detailed Content Security Policy restricts resource loading to trusted domains. However, the absence of a valid SSL certificate and disabled TLS 1.2/1.3 protocols represent critical vulnerabilities that expose users to potential man-in-the-middle attacks and data interception. No evidence of exposed sensitive data or known vulnerabilities in libraries was found. Incident response and security policy documentation are not publicly available, indicating room for improvement in transparency and readiness. Compliance with GDPR is supported by comprehensive privacy and cookie policies. Overall, the security posture is weakened by fundamental SSL/TLS issues that should be prioritized.

Recommendations

  1. Renew and properly configure the SSL certificate to enable HTTPS with TLS 1.2 and TLS 1.3 support.
  2. Enable and enforce HTTP Strict Transport Security (HSTS) with includeSubDomains and preload directives.
  3. Implement OCSP stapling to improve certificate revocation checking performance and security.
  4. Publish clear security policies and incident response procedures to enhance transparency and trust.
  5. Regularly audit third-party scripts and libraries to ensure no vulnerable components are used.

Contact details published on the site

Addresses
Legal name
Zilveren Kruis
Technical notes

Notes

The website is built on a modern technical stack including Sitecore CMS, jQuery 3.5.1, Vue.js, and Coveo search integration. Hosting appears to be on Amazon AWS infrastructure with Cloudfront CDN usage. The site is mobile-optimized and accessible, with good SEO practices including meta tags and Open Graph data. Performance metrics were not available, but the use of preloading fonts and optimized images suggests attention to speed. The extensive use of third-party analytics and marketing tools indicates a mature digital marketing strategy but requires ongoing security and privacy oversight. Technical debt appears low, though the SSL/TLS misconfiguration is a critical risk that impacts overall technical quality.
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. 63/100 −14Medium19 findingsView report
  2. 77/100Low19 findingsView report
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