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Is pkv.de a Scam? Security Check Results - Verband der Privaten Krankenversicherung e.V.

pkv.de Security Report Summary

pkv.de received a security score of 57 out of 100 in Guard's comprehensive security analysis, classified as "Elevated Risk". This report covers Verband der Privaten Krankenversicherung e.V.'s website security posture. Verband der Privaten Krankenversicherung e.V. operates in the Healthcare industry in Germany.

The Verband der Privaten Krankenversicherung e.V. is a prominent German association representing private health and nursing insurance providers and their insured members. The website serves as an information and advocacy platform, targeting private insured individuals, insurers, policymakers, and media. It offers news, policy positions, educational content, and links to subsidiary organizations. Technically, the site is built on TYPO3 CMS, uses Bootstrap for styling, and integrates Matomo for analytics, reflecting a moderate level of digital maturity. The presence of embedded YouTube videos and social media integration indicates active engagement with audiences. Security-wise, the site uses HTTPS and privacy-respecting analytics but lacks visible security headers and explicit privacy or cookie policies, which are areas for improvement. Overall, the site is professional, trustworthy, and safe for general audiences, with a solid business credibility and moderate technical implementation.

The security scan identified 35 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: TYPO3 CMS, Bootstrap CSS, Matomo Analytics, YouTube embedded videos.

About this security scan

Guard performs automated security assessments of websites by analyzing SSL/TLS certificates, HTTP security headers, DNS configuration, email authentication protocols (SPF, DKIM, DMARC), GDPR compliance indicators, NIS2 directive compliance, network exposure, and AI-powered business intelligence. Each report provides domain-specific findings, risk scores, and actionable recommendations.

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Is pkv.de Safe? Security Analysis for Verband der Privaten Krankenversicherung e.V.

https://pkv.de

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HealthcareGermanylarge
TYPO3 CMSBootstrap CSSMatomo AnalyticsYouTube embedded videos
Analyzed 10/24/2025Completed 9:31:03 PM5mo ago
57
Security Score
MEDIUM RISK

Below Healthcare avg (65)

10,000+

Domains scanned

500+

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Domainpkv.de
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SEQ SIA

Lastadijas 12 k-3, Riga, Latvia, LV-1050

Reg. No. 40203410806 • VAT LV40203410806

Support: guard@offseq.com+371 2256 5353

AI Summary

The Verband der Privaten Krankenversicherung e.V. is a prominent German association representing private health and nursing insurance providers and their insured members. The website serves as an information and advocacy platform, targeting private insured individuals, insurers, policymakers, and media. It offers news, policy positions, educational content, and links to subsidiary organizations. Technically, the site is built on TYPO3 CMS, uses Bootstrap for styling, and integrates Matomo for analytics, reflecting a moderate level of digital maturity. The presence of embedded YouTube videos and social media integration indicates active engagement with audiences. Security-wise, the site uses HTTPS and privacy-respecting analytics but lacks visible security headers and explicit privacy or cookie policies, which are areas for improvement. Overall, the site is professional, trustworthy, and safe for general audiences, with a solid business credibility and moderate technical implementation.

Detected Technologies

TYPO3 CMSBootstrap CSSMatomo AnalyticsYouTube embedded videos

11 urgent findings need attention

1 critical · 10 high

  • + 3 more findings in the full report below
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Security drift alerts

Risk score drops, new high-severity issues, and header hardening gaps

Compliance watch

GDPR / NIS2 posture changes with governance evidence snapshots

Infrastructure surface

Unexpected open services, SSL expiry, DNS & email authentication changes

Content & tracker intelligence

Marketing tech shifts, analytics drift, and AI recommendation updates

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Security Headers

6 findings

30/100

GDPR Compliance

4 findings

43/100

NIS2 Compliance

9 findings

2/100

Email Security

7 findings

50/100

🧠AI Business Intelligence

Technology stack, business insights, and market analysis powered by AI.

Business Intelligence

Market & Strategic Analysis

The PKV-Verband holds a key position in the German healthcare sector as the official representative body for private health insurers. Its business model is non-profit and focused on advocacy, research, and public relations. The association maintains a network of subsidiaries providing specialized services in care consulting, quality assurance, and ombudsman functions. The website content and structure indicate a well-established organization with a large audience and significant influence in health policy debates. The partnership ecosystem is robust, with multiple branded subsidiaries linked directly. Growth indicators include active media presence and continuous content updates. The association's operations emphasize transparency and information dissemination to both the public and stakeholders.

Security Posture Analysis

Comprehensive Security Assessment

The website demonstrates a basic to moderate security posture. HTTPS is enforced, ensuring encrypted communications. The use of Matomo analytics suggests a preference for privacy-conscious data collection. However, the absence of explicit security headers such as Content-Security-Policy, X-Frame-Options, and others reduces the overall security hardening. No direct contact information for security incidents or vulnerability disclosures is provided, which may hinder incident response. No vulnerabilities or exposed sensitive data were detected in the provided content. Compliance with GDPR is implied but not explicitly documented on the site. Recommendations include adding security headers, publishing privacy and cookie policies, and establishing clear incident response contacts to enhance security maturity.

Strategic Recommendations

Priority Actions for Security Improvement

1

Publish comprehensive privacy and cookie policies with GDPR compliance details.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

Verband der Privaten Krankenversicherung e.V.

Description:

Der Verband der Privaten Krankenversicherung ist die Interessenvertretung der Privaten Kranken- und Pflegeversicherer und damit aller Privatversicherten.

Key Services:
Interest representationInformation disseminationPolicy advocacyResearch and statisticsPublic relations
Content Quality:

good

Branding:

consistent

Technical Stack

Technologies:
TYPO3 CMSBootstrap CSSMatomo AnalyticsYouTube embedded videos
Frameworks:
TYPO3 CMS
Performance:

moderate

Mobile:

good

Accessibility:

basic

SEO:

good

Security Assessment

Security Score:
75/100
Best Practices:
  • HTTPS enabled
  • No visible sensitive data exposure
  • Use of Matomo for privacy-respecting analytics

Analytics & Tracking

Services:
Matomo
Tracking Level:moderate
Privacy Compliance:basic

Advertising & Marketing

Tracking Pixels:
Matomo
Marketing Tools:
Matomo Analytics
Transparency Level:basic

Website Quality Assessment

Design Quality:good
User Experience:good
Content Relevance:good
Navigation Clarity:good
Professionalism:good
Trustworthiness:high

Key Observations

1

Website is a professional association site for private health insurance in Germany.

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

30/100
Score

Missing Strict-Transport-Security header

HIGH

Forces HTTPS connections

Missing X-Frame-Options header

HIGH

Prevents clickjacking attacks

Missing Content-Security-Policy header

HIGH

Controls resources the browser is allowed to load

Missing X-XSS-Protection header

MEDIUM

Legacy XSS protection (deprecated but still recommended)

Missing Referrer-Policy header

LOW

Controls referrer information sent with requests

Missing Permissions-Policy header

MEDIUM

Controls browser features and APIs

👤GDPR Compliance

Privacy and data protection assessment under GDPR regulations.

GDPR Compliance

Privacy and data protection assessment

43/100
Score

No Cookie Policy found

HIGH

GDPR requires clear information about cookie usage

No Data Protection Officer mentioned

LOW

Large organizations may need to designate a DPO under GDPR

Privacy policy may not be GDPR compliant

MEDIUM

Privacy policy lacks explicit GDPR compliance elements

EU business without adequate privacy measures

CRITICAL

EU businesses are subject to strict GDPR requirements

GDPR Compliance Analysis

Privacy Policy85% confidence
Cookie Policy0% confidence
Contact Information Found90% confidence
phone

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

2/100
Score

No information security framework found

HIGH

NIS2 requires documented cybersecurity and information security measures

No vulnerability disclosure policy

MEDIUM

NIS2 encourages coordinated vulnerability disclosure

No security policy documentation found

HIGH

NIS2 requires documented cybersecurity governance and risk management

No incident response procedures found

HIGH

NIS2 requires documented incident response and business continuity plans

No business continuity planning found

MEDIUM

NIS2 emphasizes operational resilience and business continuity

No security contact information

HIGH

NIS2 requires clear incident reporting channels

No vulnerability reporting mechanism

MEDIUM

Clear vulnerability reporting supports coordinated disclosure

No NIS2 reference found

LOW

Consider explicitly mentioning NIS2 compliance efforts

Critical sector without clear security compliance

HIGH

Detected sectors: energy, transport, health, digital

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📧Email Security

SPF, DKIM, and DMARC validation and email security assessment.

Email Security

SPF, DKIM, and DMARC validation

50/100
Score

Complex SPF record

LOW

Too many include statements can cause lookup limits

DMARC not enforcing

MEDIUM

DMARC policy is set to "none"

No DMARC reporting

LOW

DMARC aggregate reports not configured

No DKIM record found

MEDIUM

DKIM adds cryptographic signatures to emails

No BIMI Record

LOW

BIMI displays brand logos in email clients

No MTA-STS Policy

MEDIUM

MTA-STS enforces TLS for email delivery

No TLS-RPT Record

LOW

TLS-RPT provides reporting for email TLS issues

SPF
Sender Policy Framework
DKIM
DomainKeys Identified Mail
DMARC
Domain-based Message Authentication
MX Records
Mail Exchange Records
BIMI
Brand Indicators
MTA-STS
Mail Transfer Agent Security
TLS-RPT
TLS Reporting
DNSSEC
DNS Security
SPF Details
Record:
v=spf1 mx a ip4:185.145.196.121 include:spf.protection.outlook.com include:spf.emailsys.net include:spf.mandrillapp.com include:spf.mailjet.com include:mail.pi-asp.de include:_spf.xurrent.com ~all
DMARC Details
Policy:none

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

72/100
Score

Weak Protocols Supported

HIGH

Server supports weak protocols: TLSv1.1

OCSP Stapling Not Enabled

LOW

OCSP stapling improves performance and privacy

Certificate Transparency Not Implemented

LOW

Certificate is not logged in Certificate Transparency logs

SSL Certificate Expires Within 90 Days

MEDIUM

SSL certificate expires in 35 days

Partial SSL/TLS Assessment

LOW

Completed 3 of 4 security checks due to time constraints

Protocol Support

TLSv1.3TLSv1.2TLSv1.1

OCSP Status

OCSP Stapling Disabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

80/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found

DMARC Policy Set to None

LOW

DMARC is configured but not enforcing any policy

DNS Records

A Records:94.130.131.210
Name Servers:
dns11.netcologne.deDNS only
dns12.netcologne.deDNS only
dns13.netcologne.deDNS only
dns14.netcologne.deDNS only
MX Records:
50: mail003.coo-it.de
40: mail002.coo-it.de
10: mail001.coo-it.de

DNSSEC Status

DNSSEC Not Enabled

SPF Analysis

SPF Record:
v=spf1 mx a ip4:185.145.196.121 include:spf.protection.outlook.com include:spf.emailsys.net include:spf.mandrillapp.com include:spf.mailjet.com include:mail.pi-asp.de include:_spf.xurrent.com ~all

Network Security

Port scanning and network exposure analysis.

Network Security

Port scanning and network exposure analysis

100/100
Score

Good Network Security Posture

LOW

No unnecessary services detected on common risky ports

How does pkv.de compare?

See how pkv.de stacks up against similar websites in the same industry.

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

The website is built on TYPO3 CMS, a mature and widely used content management system, indicating a stable technical foundation. Bootstrap CSS framework is used for responsive design, ensuring good mobile optimization. Matomo analytics is integrated for user tracking with a focus on privacy. Hosting appears to be with NetCologne, a German provider, supporting regional compliance and performance. The site loads a variety of CSS and JavaScript assets, including YouTube no-cookie embeds for videos, enhancing user experience while respecting privacy. Performance is moderate, with potential for optimization in asset loading and caching. Accessibility features are basic but present. SEO is supported by proper meta tags, Open Graph, and JSON-LD structured data, improving search engine visibility. Overall, the technical infrastructure is solid but could benefit from enhanced security and privacy features.
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PDF Report & Export

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Marketing Intelligence

Contact emails, phone numbers & warm leads

49.90 €one-time • Incl. 21% VAT

Plan Comparison

FeaturePDF ReportMarketing+
Full security analysis
Professional PDF export
Email delivery
Lifetime access + unlock code
Contact emails & phones
Marketing outreach data

Already purchased?

Order summary

Domainpkv.de
Access tierFull report or marketing add-on

Digital reports are delivered immediately after payment. By continuing you acknowledge the withdrawal waiver described in our Returns & Refunds policy.

VisaMastercardApple PayGoogle Pay

Secure payments processed via EveryPay. Prices in EUR; Incl. 21% VAT.

SEQ SIA

Lastadijas 12 k-3, Riga, Latvia, LV-1050

Reg. No. 40203410806 • VAT LV40203410806

Support: guard@offseq.com+371 2256 5353

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