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.
Wo erhalte ich vollständige Informationen über AACN-CMC?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der AACN-CMC: Cardiac Medicine Subspecialty Certification - 2025 Prüfung.
2025 Updated Actual AACN-CMC questions as experienced in Test Center
Aktuelle AACN-CMC Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() Medical AACN-CMC : Cardiac Medicine Subspecialty Certification - 2025 Practice TestsPractice Tests Organized by Martha nods |
Latest 2025 Updated Medical Cardiac Medicine Subspecialty Certification - 2025 Syllabus
AACN-CMC dumps collection with Premium PDF and Test Engine
Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee
AACN-CMC dumps collection : Download 100% Free AACN-CMC practice tests (PDF and VCE)
Exam Number : AACN-CMC
Exam Name : Cardiac Medicine Subspecialty Certification - 2025
Vendor Name : Medical
Update : Click Here to Check Latest Update
Question Bank : Check Questions
AACN-CMC Free exam PDF with braindump questions that works in actual test
Killexams.com’s AACN-CMC Premium Questions and Ans offers a robust collection of validated AACN-CMC questions and answers, complete with references and detailed explanations. Their goal is to ensure you not only pass the AACN-CMC exam on your first try but also gain a deeper understanding of AACN-CMC test topics. With their premium VCE exam materials, accessible via Online Test Engine or Desktop Test Engine, they empower you to excel and advance your expertise.
Achieve success in the Medical Cardiac Medicine Subspecialty Certification - 2025 exam with ease by mastering the AACN-CMC exam structure and practicing with killexams.com’s latest question bank. Focus on real-world problems to accelerate your preparation and familiarize yourself with the unique questions featured in the actual AACN-CMC exam. Visit killexams.com to get free AACN-CMC Questions and Answers VCE exam questions and review them thoroughly. If confident, register to access the complete AACN-CMC Real exam Questions Practice Tests—a critical step toward your success. Install their VCE test system on your PC, study and memorize the AACN-CMC Real exam Questions, and practice frequently with the VCE simulator. Once you have mastered the Cardiac Medicine Subspecialty Certification - 2025 question bank, head to the Test Center and register for the real exam with confidence.
Our proven track record includes countless candidates who have passed the AACN-CMC exam using their Questions and Answers practice tests and now thrive in prestigious roles within their organizations. Their success stems not only from studying their AACN-CMC Practice Questions materials but also from gaining a deeper understanding of AACN-CMC concepts, enabling them to excel as professionals in real-world settings. At killexams.com, they go beyond helping you pass the AACN-CMC exam—our goal is to enhance your grasp of AACN-CMC themes and objectives, paving the way for lasting career success.

AACN-CMC exam Format | AACN-CMC Course Contents | AACN-CMC Course Outline | AACN-CMC exam Syllabus | AACN-CMC exam Objectives
Exam Code: AACN-CMC
Exam Name: Cardiac Medicine Subspecialty Certification
Number of Questions: 90
Exam Type: Multiple-choice
Exam questions: 75 scored and 15 unscored
Passing Marks: 50 (out of 75 scored questions)
Time Allotted: 2 hours
I. CARDIOVASCULAR CONDITIONS (23%)
- Cardiac Conditions
- Acute coronary syndrome (e.g., STEMI, NSTEMI, unstable angina)
- Cardiac tamponade
- Cardiomyopathies
- Dysrhythmias
- Heart failure
- Hypertensive urgency or emergency
- Inflammatory and infectious conditions
- Pericardial effusion
- Pulmonary edema
- Syncope
- Valvular disorders
- Vascular Conditions
- Acute arterial occlusion
- Acute venous thrombosis
- Aortic aneurysm or dissection
- Hyperlipidemia
- Post-intervention vascular complication
II. NON-CARDIOVASCULAR CONDITIONS (23%)
- Respiratory
- Acute pulmonary embolus
- Acute respiratory failure (e.g., ARDS, ALI)
- Pleural space abnormalities (e.g., pneumothorax)
- Pulmonary hypertension
- Sleep apnea
- Endocrine
- Adrenal disorders
- Diabetes mellitus
- Metabolic syndrome
- Thyroid disorders
- Hematology
- Coagulopathies
- Anemia
- Neurology
- Cerebrovascular accidents (stroke)
- Renal
- Acute kidney injury
- Chronic kidney disease
- Electrolyte imbalances
- Multisystem
- Multisystem organ dysfunction syndrome (MODS)
- Shock states
- Non-cardiac chest pain
- Behavioral and Psychosocial
- Substance use and withdrawal
III. THERAPEUTIC INTERVENTIONS (39%)
- Cardiac Procedures
- Right heart catheterization
- Left heart catheterization
- Percutaneous coronary interventions
- Pericardiocentesis
- Intra-aortic balloon pumps
- Left ventricular assist devices (LVADs)
- Percutaneous structural heart interventions
- Vascular Interventions
- Peripheral angiography and interventions
- Carotid angiography and interventions
- Endovascular grafts
- Catheter-directed thrombolysis
- Cardiovascular Pharmacology
- Antidysrhythmics
- Anticoagulants
- Diuretics
- Inotropes
- Platelet inhibitors
- Thrombolytics
- Vasoactive agents
- Electrophysiologic Interventions
- Temporary pacemakers
- Permanent pacemakers
- Cardiac resynchronization therapy
- Implantable cardioverter defibrillator
- External wearable defibrillator
- Ablation
- Cardioversion
- Defibrillation
- Respiratory
- Non-invasive ventilation
- Mechanical ventilation
- Renal
- Renal replacement therapy (e.g., hemodialysis, CRRT, SCUF)
- Multisystem
- Targeted temperature management
- Palliative and end-of-life care
IV. MONITORING AND DIAGNOSTICS (16%)
- Cardiovascular
- Hemodynamic monitoring
- Echocardiography
- Electrocardiography (ECG)
- Laboratory testing
- Stress testing
- Remote cardiovascular monitoring (e.g., dysrhythmia monitoring, pulmonary artery sensor)
- Respiratory
- Arterial blood gases (ABG)
- Mixed venous gases
- Pulse oximetry
- End-tidal capnography (EtCO2)
- Radiography
Killexams Review | Reputation | Testimonials | Feedback
Preparing for the AACN-CMC exam requires memorizing the latest content for just a few hours now.
After a friend’s recommendation, I tried killexams.com’s AACN-CMC testprep materials and scored 89%. Their practice tests were easy to use and aided memorization, making preparation effective and enjoyable. I am thankful for their assistance in achieving my certification.
AACN-CMC Dumps that work in the actual test.
I recently passed the AACN-CMC exam with confidence, thanks to the exceptional study materials from Killexams.com. Their practice tests are comprehensive, accurate, and well worth the investment. I Tested the validity of their questions with colleagues, and the results were consistent. The user-friendly exam simulator made preparation seamless, allowing me to approach the exam with ease. I highly recommend Killexams.com to anyone preparing for the AACN-CMC certification.
Try out these actual AACN-CMC questions.
Scoring a 98% on the AACN-CMC exam was a dream come true, thanks to Killexams.com. Their case studies and study materials were top-notch, though I wish the practice exam timer was more flexible. Nonetheless, their resources were critical to my success, and I highly recommend them.
Do you need actual test questions from the AACN-CMC exam to pass?
I made a quick decision to use killexams.com practice tests as my test partner for the AACN-CMC exam. I was ecstatic to see the questions on display, as they were like copied questions from killexams.com practice tests. This helped me pass with a 97% score in only 65 minutes.
Where can I sign up for the AACN-CMC exam?
Despite initial hesitation about online practice tests, I ordered killexams.com’s AACN-CMC package and was impressed by its quality. The materials were worth every penny, helping me answer all exam questions and score 97% after just a few weeks of study. I highly recommend killexams.com for IT certification preparation.
Medical - exam Cram
AACN-CMC Exam
User: Aisyah*****![]() ![]() ![]() ![]() ![]() While there are numerous materials available online for various aacn-cmc certifications, I was quite hesitant to rely on free practice tests, as they often contain inaccurate information and the individuals who post them have no obligation to provide precise content. Therefore, I made the decision to purchase the Killexams.com aacn-cmc questions and answers, and I could not be more pleased with that choice. They provided me with real exam questions and answers, which significantly simplified my preparation. I passed the aacn-cmc exam with flying colors and experienced absolutely no stress during the process. |
User: Alejandro*****![]() ![]() ![]() ![]() ![]() Killexams.com is simply outstanding. I scored 100% on the aacn-cmc exam using their questions and answers. The exam simulator was so effective that I felt completely prepared before even stepping into the testing center. This is the best investment I made for my certification journey. |
User: Virginia*****![]() ![]() ![]() ![]() ![]() With the aacn-cmc exam approaching, killexams.com’s Dumps helped me overcome my fears and pass with an 87% score in just 80 minutes. Their materials were a true partner, especially as my anxiety peaked, and I am grateful for their support. |
User: Ashley*****![]() ![]() ![]() ![]() ![]() With only five days of focused studying, I was able to score an impressive 80% on the CARDIAC MEDICINE SUBSPECIALTY CERTIFICATION - 2025 exam, thanks to killexams.com. The ability to get PDF files for effective practice, coupled with online tests and unlimited attempts, gave me immense confidence. Their answers to every query were 100% accurate, making my preparation process incredibly smooth and efficient. |
User: Doreen*****![]() ![]() ![]() ![]() ![]() When I was taking an IT course on AACN-CMC, I really struggled with finding a reliable guide to help me. However, I discovered a website that was very popular in the market – Killexams.com. Their practice questions and materials helped me prepare thoroughly for the exam, and I was able to secure top marks. I am so grateful to Killexams.com for helping me overcome my initial apprehension and achieve success. |
AACN-CMC Exam
Question: I need the LaACTUAL EXAM QUESTIONS of AACN-CMC exam, Is it right place? Answer: Killexams.com is the right place to get the latest and up-to-date AACN-CMC questions that work great in the actual AACN-CMC test. These AACN-CMC questions are carefully collected and included in AACN-CMC question bank. You can register at killexams and get the complete question bank. Practice with AACN-CMC exam simulator and get High Score in the exam. |
Question: The same questions, Is it possible? Answer: Yes, It is possible and it is happening. Killexamstake these questions from actual exam sources, that's why these exam questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these questions are sufficient to pass the exam. |
Question: What if I do not pass AACN-CMC exam with your test prep? Answer: First of all, if you read and memorize all AACN-CMC questions and practice with the VCE exam simulator, you will surely pass your exam. But in case, you fail the exam you can get the new exam in replacement of the present exam or refund. You can further check details at https://killexams.com/pass-guarantee |
Question: I have downloaded AACN-CMC questions free from internet, are they sufficient? Answer: Most of the free AACN-CMC questions on the internet are outdated. You need up-to-date and latest actual questions to pass the AACN-CMC exam. Visit killexams.com and register to get the complete dumps collection of AACN-CMC exam test prep. These AACN-CMC exam questions are taken from actual exam sources, that's why these AACN-CMC exam questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these AACN-CMC questions are sufficient to pass the exam. |
Question: Can I read AACN-CMC test prep while I am offline? Answer: Yes, you can keep your study going while you are offline. Killexams.com provides an offline method by downloading your AACN-CMC exam questions in PDF format on your mobile phone, iPad or laptop and carry them anywhere you like. You do not need to be online all the time to keep your study going. Killexams exam simulator also works offline. Just get and install on your laptop and you can go anywhere to keep your study going and preparing your exam at a tourist or healthier place. Whenever you need to re-download the exam files, you can connect your computer to the internet and get and go offline anytime you like. |
https://www.pass4surez.com/art/read.php?keyword=Medical+-+Exam+Cram&lang=us&links=remove
Choosing a reliable certification VCE exam provider can be challenging, as candidates want assurance of quality, credibility, and effectiveness. Killexams.com is committed to delivering top-tier practice tests that are regularly updated to ensure accuracy and relevance. They prioritize their candidates’ success, offering high-quality resources that have empowered countless individuals to pass their certification exams with confidence and ease. Their unwavering focus on excellence, trustworthiness, and customer satisfaction sets us apart. Unlike some resellers who may mislead customers, Killexams.com maintains a stellar reputation through consistent quality and transparency. Be cautious of false claims or negative reports from competitors attempting to undermine trusted services like ours. With thousands of satisfied candidates who have successfully passed their exams using their practice tests, PDF question banks, and VCE exam simulator, Killexams.com stands as a proven leader. Explore their demo questions and try their exam simulator to experience firsthand why Killexams.com is the preferred choice for certification preparation.
Which is the best practice tests website?
Absolutely yes, Killexams is fully legit and also fully well-performing. There are several capabilities that makes killexams.com legitimate and reliable. It provides accurate and fully valid exam questions containing real exams questions and answers. Price is small as compared to most of the services on internet. The Dumps are modified on normal basis together with most accurate questions. Killexams account set up and product or service delivery is very fast. Document downloading is normally unlimited and really fast. Support is avaiable via Livechat and Contact. These are the features that makes killexams.com a strong website that include exam prep with real exams questions.
Is killexams.com test material dependable?
There are several Dumps provider in the market claiming that they provide actual exam Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2025 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf get sites or reseller sites. Thats why killexams.com update exam Dumps with the same frequency as they are updated in Real Test. exam questions provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps collection of valid Questions that is kept up-to-date by checking update on daily basis.
If you want to Pass your exam Fast with improvement in your knowledge about latest course contents and courses of new syllabus, They recommend to get PDF exam Questions from killexams.com and get ready for actual exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Dumps will be provided in your get Account. You can get Premium VCE exam files as many times as you want, There is no limit.
Killexams.com has provided VCE VCE exam Software to Practice your exam by Taking Test Frequently. It asks the Real exam Questions and Marks Your Progress. You can take test as many times as you want. There is no limit. It will make your test prep very fast and effective. When you start getting 100% Marks with complete Pool of Questions, you will be ready to take actual Test. Go register for Test in Test Center and Enjoy your Success.
ACA-Operator exam Cram | HPE0-S55 questions answers | NSE8_811 Study Guide | CHPLN exam results | ABOHN-COHN-S exam tips | CITP test exam | JN0-213 study guide | C1000-080 mock questions | IAAP-CPACC PDF Questions | DBS-C01 free practice tests | HPE0-J50 free pdf | DES-5221 writing test questions | 920-240 prep questions | PEGAPCDS87V1 exam cram | PDPF free prep | SD0-302 boot camp | IIA-CRMA-ADV certification demo | Firefighter study guide | NS0-303 exam prep | 010-160 mock exam |
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 Latest Topics
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 Question Bank
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 answers
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 premium pdf
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 premium pdf
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 Practice Questions
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 testprep
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 PDF download
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 PDF Download
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 exam help
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 exam Questions
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 Practice Test
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 Latest Questions
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 Latest Questions
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 actual Questions
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 PDF Questions
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 information hunger
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 test
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 information source
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 exam Questions
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 real questions
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 exam help
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 PDF Questions
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 questions
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 premium pdf
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 answers
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 exam format
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 education
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 testing
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 outline
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 study tips
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 Free PDF
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 exam Questions
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 Premium PDF
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 techniques
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 book
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 Latest Questions
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 Questions and Answers
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 Free exam PDF
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 learning
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 questions
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 education
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 answers
AACN-CMC - Cardiac Medicine Subspecialty Certification - 2025 testing
Other Medical Practice Tests
CCM question test | NRP online exam | GP-Doctor mock questions | NAPLEX Practice Test | NCMA-CMA english test questions | VTNE exam Questions | BMAT model question | AACN-CMC study guide | CDM exam papers | APMLE exam preparation | GP-MCQS exam test | CNSC Latest Questions | CVPM study help | AAPC-OCS Latest Topics | RRT-ACCS mock exam | DHORT Practice Questions | NREMT-PTE test prep | PRA-CPRP free exam papers | NBRC Free exam PDF | PANRE test exam |
Best practice tests You Ever Experienced
150-820 prep questions | CVA free prep | IAPP-CIPM VCE | E20-575 examcollection | MS-500 practice test | Salesforce-Maps-Accredited-Professional demo questions | C1000-074 practice questions | SABE501V3-0 exam preparation | MB-800 free questions | ARA01 test prep | BCP-521 test example | PDPF study guide | 156-585 practice test | FOCP training material | CRA study guide | PCE-CCE Free exam PDF | 5V0-61.22 Real exam Questions | NBRC cbt | ICDL-Powerpoint free pdf | 090-078 test practice |
References :
https://killexams-posting.dropmark.com/817438/23555872
http://killexams-braindumps.blogspot.com/2020/06/download-aacn-cmc-questions-and-answers.html
https://www.instapaper.com/read/1323672330
https://killexams-posting.dropmark.com/817438/23792773
https://www.coursehero.com/file/67501801/Cardiac-Medicine-Subspecialty-Certification-AACN-CMCpdf/
https://youtu.be/9MvrfKiPXoQ
https://sites.google.com/view/killexams-aacn-cmc-question-ba
http://feeds.feedburner.com/GuaranteeYourProsperityWithThisAacn-cmcQuestionBank
https://files.fm/f/yqrzundfe
Similar Websites :
Pass4sure Certification exam Practice Tests
Pass4Sure Certification Question Bank
AACN-CMC Reviews by Customers
Customer Reviews help to evaluate the exam performance in real test. Here all the reviews, reputation, success stories and ripoff reports provided.
100% Valid and Up to Date AACN-CMC Exam Questions
We hereby announce with the collaboration of world's leader in Certification Exam Dumps and Real Exam Questions with Practice Tests that, we offer Real Exam Questions of thousands of Certification Exams Free PDF with up to date VCE exam simulator Software.
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