Was ist das eigentlich? Cyberrisiken verständlich erklärt

Es wird viel über Cyberrisiken gesprochen. Oftmals fehlt aber das grundsätzliche Verständnis, was Cyberrisiken überhaupt sind. Ohne diese zu verstehen, lässt sich aber auch kein Versicherungsschutz gestalten.

Beinahe alle Aktivitäten des täglichen Lebens können heute über das Internet abgewickelt werden. Online-Shopping und Online-Banking sind im Alltag angekommen. Diese Entwicklung trifft längst nicht nur auf Privatleute, sondern auch auf Firmen zu. Das Schlagwort Industrie 4.0 verheißt bereits eine zunehmende Vernetzung diverser geschäftlicher Vorgänge über das Internet.

Anbieter von Cyberversicherungen für kleinere und mittelständische Unternehmen (KMU) haben Versicherungen die Erfahrung gemacht, dass trotz dieser eindeutigen Entwicklung Cyberrisiken immer noch unterschätzt werden, da sie als etwas Abstraktes wahrgenommen werden. Für KMU kann dies ein gefährlicher Trugschluss sein, da gerade hier Cyberattacken existenzbedrohende Ausmaße annehmen können. So wird noch häufig gefragt, was Cyberrisiken eigentlich sind. Diese Frage ist mehr als verständlich, denn ohne (Cyber-)Risiken bestünde auch kein Bedarf für eine (Cyber-)Versicherung.

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Play games to help keep dementia at bay: study

Puzzles, chess and writing journals may be more than pure amusements to pass the time. These brain activities could help reduce the risk of dementia. 

According to a accurate study in JAMA Network Open, activities related to adult literacy, such as taking classes, using a computer or writing journals, as well as active mental tasks like games, cards, or crossword puzzles, were related to a reduced dementia risk over 10 years.

The study looked at 10,318 adults in Australia who were 70 years old or older, who were generally healthy and without major cognitive impairment at enrollment.

Read: Having friends isn’t just good for your social life — it can also ward off dementia

The participants who engaged in literacy activities and active mental activities had an 11% and 9% lower, respectively, risk of dementia. 

To a lesser extent, participating in creative artistic activities, such as crafts, woodwork, and painting or drawing, and in passive mental activities such as reading, watching TV or listening to  the radio was also associated with reduced dementia risk, the study found. Creative artistic and passive mental activities both conferred a 7% decrease, according to the study.

“These results suggest that engagement in adult literacy, creative art, and active and passive mental activities may help reduce dementia risk in late life,” the study said.

The people in the study who developed dementia were older, more likely to be men and have lower levels of physical activity and to be in poorer health than individuals without dementia, the study said.

Read: Opinion: This is now the No. 1 preventable cause of Alzheimer’s in America

In 2022, there were 55 million individuals worldwide living with dementia, with 10 million new cases emerging annually, the study said. There’s no cure for dementia. As a result, “identifying new strategies to prevent or delay dementia onset among older individuals is a priority,” the study said.

These findings can help inform strategies for dementia prevention later life in terms of modifying daily routines and activities, the study said.


Study Reveals The Practice That Could Help Prevent Alzheimer's

No result found, try new keyword!So the news that a accurate study, published in the medical journal Frontiers in Neuroscience, has found a preventative link between certain forms of exercise and Alzheimer’s is welcome.

Study: Vitamin D Supplements May Help Reduce Risk of Heart Attack in Older People

Fact checked by Sarah Scott

  • A new study suggests that taking vitamin D supplements may help protect older adults from major cardiovascular events, like heart attacks.

  • The study is relatively small and researchers and outside medical professionals alike emphasize the need for further research in order to clarify vitamin D's ability to contribute to heart health in this way.

  • Experts agree that lifestyle factors, like diet and exercise, are still the primary ways individuals can focus on prevention of heart attacks and other cardiovascular-related events.

  • Taking vitamin D supplements may help reduce the risk of major cardiovascular events (like heart attacks) for older adults, according to a new study.

    The trial, which was based out of Australia, assessed 21,315 people who ranged from 60 to 84 years old. They randomly gave one group of 10,662 participants one capsule of 60,000 IU vitamin D, while a placebo was given to 10,653 participants.

    The supplements and the placebo were taken orally by participants at the beginning of each month for up to 5 years, with the clinical trial starting in 2014 and concluding in 2020.

    Researchers excluded people from the trial with a history of hypercalcemia, or high calcium levels, overactive thyroid, or hyperparathyroidism, kidney stones, osteomalacia, or "soft bones," sarcoidosis, which is an inflammatory disease, or who were already taking more than 500 IU per day of vitamin D supplements.

    Study author Rachel Neale, PhD, told Health that there have been plenty of observational studies suggesting that the concentration of 25 hodroxy vitamin D [25(OH)D—the molecule that is measured to determine vitamin D status—in the bloodstream is "inversely associated with health outcomes."

    The opposite has been examined less.

    While the largest clinical trial of its kind, the researchers acknowledge that the study was relatively small, and more work needs to be done to understand the effectiveness of these kinds of supplements, especially in people who are taking statins or other medications to manage cardiovascular disease.

    Neale, who also serves as the deputy coordinator of the Population Health Department at QIMR Berghofer Medical Research Institute, noted that the association between vitamin D and cardiovascular health risk may not be causal.

    "Randomized controlled trials are needed to determine whether supplementing people with vitamin D would Improve health outcomes," she said.

    Getty Images / SCIENCE PHOTO LIBRARY

    Taking Vitamin D Supplements Could Protect Your Heart

    Over the course of the trial, 1,336 of the participants experienced a major cardiovascular event—this was evenly divided between the placebo and vitamin D supplement groups.

    The research team found that 6.6% of those in the placebo group and 6% in the supplement group experienced a cardiovascular event during those five years.

    Those in the vitamin D supplement group seemed better protected from these heart disease events; this group experienced a rate of major cardiovascular events that was 9% lower compared to what was seen in the placebo group.

    This comes out to about 5.8 fewer cardiovascular events per 1,000 participants. The heart attack and coronary rates were 19% and 11% lower, respectively, in the vitamin D group. That being said, the rate of stroke showed no difference between the placebo and supplement groups.

    Related: 26 Symptoms of Low Vitamin D You Need to Know About

    How Vitamin D Impacts the Heart

    When asked what is known about vitamin D and its impact on heart health, Boback Ziaeian, MD, PhD, an assistant professor of medicine at the David Geffen School of Medicine at UCLA in the Division of Cardiology, told Health that there are many studies out there on vitamin D "that span basic sciences, observational research, and clinical trials."

    That being said, it's only very recently that we've started seeing large randomized trials like this one that focus on vitamin D supplements as a mechanism to prevent cardiovascular disease, cancer, and even dementia.

    "These trials have all largely been negative for their primary endpoint design. The accurate Australian study is the first large study to suggest a possible benefit and that is very uncertain," said Ziaeian, who is unaffiliated with this clinical trial.

    Essentially, more needs to be examined here.

    Neale said that there are a number of different potential mechanisms inherent in vitamin D that could be beneficial for your heart.

    She mentioned that vitamin D "can influence the renin-angiotensin-aldosterone system, which influences blood volume and vascular resistance." She also noted that vitamin D can also lower inflammation and "reduce cardiac remodeling."

    "People have hyped Vitamin D for a long time, but blood levels are heavily confounded by other lifestyle factors like how much time someone spends outdoors or not having other chronic diseases," Ziaeian said.

    "So, overall, there's no good evidence that supplementing people with vitamin D does anything beneficial for their health unless they cannot produce it, such as patients with severe kidney disease."

    What Future Studies Need to Clarify

    Ziaeian said that he doesn't believe they will see a future where vitamin D supplementation will be part of a prescription from your doctor.

    "Looking at the literature overall, I think it is very unlikely that they would find many benefits for any vitamin supplementation that for vitamins we normally ingest with normal food intake or that their body produces," he said.

    Neale said that "uncertainty in the evidence may not ever be completely resolved." She said this leaves medical providers in a "somewhat difficult position" when it comes to prescribing vitamin D supplements, outside of treating vitamin D deficiency.

    "I would emphasize that even if their findings do indicate a real effect of vitamin D, it is not a magic bullet," she said. "Diet and exercise will play a much more important role."

    Related: 12 Foods That Are Good Sources of Vitamin D

    For more Health news, make sure to sign up for their newsletter!

    Read the original article on Health.


     




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    Warum sind Cyberrisiken so schwer greifbar?

    Als mehr oder weniger neuartiges Phänomen stellen Cyberrisiken Unternehmen und Versicherer vor besondere Herausforderungen. Nicht nur die neuen Schadenszenarien sind abstrakter oder noch nicht bekannt. Häufig sind immaterielle Werte durch Cyberrisiken in Gefahr. Diese wertvollen Vermögensgegenstände sind schwer bewertbar.

    Obwohl die Gefahr durchaus wahrgenommen wird, unterschätzen viele Firmen ihr eigenes Risiko. Dies liegt unter anderem auch an den Veröffentlichungen zu Cyberrisiken. In der Presse finden sich unzählige Berichte von Cyberattacken auf namhafte und große Unternehmen. Den Weg in die Presse finden eben nur die spektakulären Fälle. Die dort genannten Schadenszenarien werden dann für das eigene Unternehmen als unrealistisch eingestuft. Die für die KMU nicht minder gefährlichen Cyber­attacken werden nur selten publiziert.

    Aufgrund der fehlenden öffentlichen Meldungen von Sicherheitsvorfällen an Sicherheitsbehörden und wegen der fehlenden Presseberichte fällt es schwer, Fakten und Zahlen zur Risikolage zu erheben. Aber ohne diese Grundlage fällt es schwer, in entsprechende Sicherheitsmaßnahmen zu investieren.

    Erklärungsleitfaden anhand eines Ursache-Wirkungs-Modells

    Häufig nähert man sich dem Thema Cyberrisiko anlass- oder eventbezogen, also wenn sich neue Schaden­szenarien wie die weltweite WannaCry-Attacke entwickeln. Häufig wird auch akteursgebunden beleuchtet, wer Angreifer oder Opfer sein kann. Dadurch begrenzt man sich bei dem Thema häufig zu sehr nur auf die Cyberkriminalität. Um dem Thema Cyberrisiko jedoch gerecht zu werden, müssen auch weitere Ursachen hinzugezogen werden.

    Mit einer Kategorisierung kann das Thema ganzheitlich und nachvollziehbar strukturiert werden. Ebenso hilft eine solche Kategorisierung dabei, eine Abgrenzung vorzunehmen, für welche Gefahren Versicherungsschutz über eine etwaige Cyberversicherung besteht und für welche nicht.

    Die Ursachen sind dabei die Risiken, während finanzielle bzw. nicht finanzielle Verluste die Wirkungen sind. Cyberrisiken werden demnach in zwei Hauptursachen eingeteilt. Auf der einen Seite sind die nicht kriminellen Ursachen und auf der anderen Seite die kriminellen Ursachen zu nennen. Beide Ursachen können dabei in drei Untergruppen unterteilt werden.

    Nicht kriminelle Ursachen

    Höhere Gewalt

    Häufig hat man bei dem Thema Cyberrisiko nur die kriminellen Ursachen vor Augen. Aber auch höhere Gewalt kann zu einem empfindlichen Datenverlust führen oder zumindest die Verfügbarkeit von Daten einschränken, indem Rechenzentren durch Naturkatastrophen wie beispielsweise Überschwemmungen oder Erdbeben zerstört werden. Ebenso sind Stromausfälle denkbar.

    Menschliches Versagen/Fehlverhalten

    Als Cyberrisiken sind auch unbeabsichtigtes und menschliches Fehlverhalten denkbar. Hierunter könnte das versehentliche Veröffentlichen von sensiblen Informationen fallen. Möglich sind eine falsche Adressierung, Wahl einer falschen Faxnummer oder das Hochladen sensibler Daten auf einen öffentlichen Bereich der Homepage.

    Technisches Versagen

    Auch Hardwaredefekte können zu einem herben Datenverlust führen. Neben einem Überhitzen von Rechnern sind Kurzschlüsse in Systemtechnik oder sogenannte Headcrashes von Festplatten denkbare Szenarien.

    Kriminelle Ursachen

    Hackerangriffe

    Hackerangriffe oder Cyberattacken sind in der Regel die Szenarien, die die Presse dominieren. Häufig wird von spektakulären Datendiebstählen auf große Firmen oder von weltweiten Angriffen mit sogenannten Kryptotrojanern berichtet. Opfer kann am Ende aber jeder werden. Ziele, Methoden und auch das Interesse sind vielfältig. Neben dem finanziellen Interesse können Hackerangriffe auch zur Spionage oder Sabotage eingesetzt werden. Mögliche Hackermethoden sind unter anderem: Social Engineering, Trojaner, DoS-Attacken oder Viren.

    Physischer Angriff

    Die Zielsetzung eines physischen Angriffs ist ähnlich dem eines Hacker­angriffs. Dabei wird nicht auf die Tools eines Hackerangriffs zurückgegriffen, sondern durch das physische Eindringen in Unternehmensgebäude das Ziel erreicht. Häufig sind es Mitarbeiter, die vertrauliche Informationen stehlen, da sie bereits den notwendigen Zugang zu den Daten besitzen.

    Erpressung

    Obwohl die Erpressung aufgrund der eingesetzten Methoden auch als Hacker­angriff gewertet werden könnte, ergibt eine Differenzierung Sinn. Erpressungsfälle durch Kryptotrojaner sind eines der häufigsten Schadenszenarien für kleinere und mittelständische Unternehmen. Außerdem sind auch Erpressungsfälle denkbar, bei denen sensible Daten gestohlen wurden und ein Lösegeld gefordert wird, damit sie nicht veröffentlicht oder weiterverkauft werden.

    Ihre Cyberversicherung sollte zumindet folgende Schäden abdecken:

    Cyber-Kosten:

    • Soforthilfe und Forensik-Kosten (Kosten der Ursachenermittlung, Benachrichtigungskosten und Callcenter-Leistung)
    • Krisenkommunikation / PR-Maßnahmen
    • Systemverbesserungen nach einer Cyber-Attacke
    • Aufwendungen vor Eintritt des Versicherungsfalls

    Cyber-Drittschäden (Haftpflicht):

    • Befriedigung oder Abwehr von Ansprüchen Dritter
    • Rechtswidrige elektronische Kommunikation
    • Ansprüche der E-Payment-Serviceprovider
    • Vertragsstrafe wegen der Verletzung von Geheimhaltungspflichten und Datenschutzvereinbarungen
    • Vertragliche Schadenersatzansprüche
    • Vertragliche Haftpflicht bei Datenverarbeitung durch Dritte
    • Rechtsverteidigungskosten

    Cyber-Eigenschäden:

    • Betriebsunterbrechung
    • Betriebsunterbrechung durch Ausfall von Dienstleister (optional)
    • Mehrkosten
    • Wiederherstellung von Daten (auch Entfernen der Schadsoftware)
    • Cyber-Diebstahl: elektronischer Zahlungsverkehr, fehlerhafter Versand von Waren, Telefon-Mehrkosten/erhöhte Nutzungsentgelte
    • Cyber-Erpressung
    • Entschädigung mit Strafcharakter/Bußgeld
    • Ersatz-IT-Hardware
    • Cyber-Betrug