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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Exam Number : AAPC-CPC
Exam Name : Certified Professional Coder (CPC)
Vendor Name : AAPC
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AAPC-CPC exam Format | AAPC-CPC Course Contents | AAPC-CPC Course Outline | AAPC-CPC exam Syllabus | AAPC-CPC exam Objectives
Exam Code: AAPC CPC
Exam Name: AAPC Certified Professional Coder
Format: 100 multiple-choice questions- including 10 case studies with multiple-choice answers.
Duration: 4 hours.
Passing Score: 70% (70 correct answers out of 100).
Type: Open-book exam- allowing candidates to use current editions of CPT®- ICD-10-CM- and HCPCS Level II code manuals.
- 10-000 Series
- Focus: Surgical procedures on the integumentary system (skin- subcutaneous tissue- nails- breast).
- Excision of benign and malignant lesions.
- Wound repair (simple- intermediate- complex).
- Skin grafts and flaps.
- Breast procedures (e.g.- mastectomy- reconstruction).
- Debridement and incision/drainage.
- Lesion
- excision
- biopsy
- debridement
- closure
- graft
- flap
- Mohs surgery
- layered closure
- mastectomy
- lumpectomy
- 20-000 Series CPT
- Focus: Surgical procedures on the musculoskeletal system (bones- joints- muscles- tendons).
- Fracture and dislocation treatment.
- Arthroscopy and arthrodesis.
- Tendon and ligament repairs.
- Spinal procedures (e.g.- laminectomy- fusion).
- Application of casts and strapping.
- Arthroscopy
- arthrodesis
- osteotomy
- fracture reduction
- fixation
- laminectomy
- kyphoplasty
- tendon repair
- synovial joint
- 30-000 Series CPT
- Focus: Surgical procedures on the respiratory- cardiovascular- hemic/lymphatic- and mediastinum/diaphragm systems.
- Nasal and sinus procedures (e.g.- turbinate reduction).
- Laryngoscopy and bronchoscopy.
- Cardiac procedures (e.g.- CABG- valve repair).
- Vascular procedures (e.g.- bypass grafts- aneurysm repair).
- Lymph node excision and splenectomy.
- Turbinectomy
- septoplasty
- bronchoscopy
- coronary artery bypass graft (CABG)
- angioplasty
- stent
- lymphadenectomy
- splenectomy
- mediastinum
- 40-000 Series CPT
- Focus: Surgical procedures on the digestive system.
- Gastrointestinal endoscopy (e.g.- EGD- colonoscopy).
- Hernia repairs (e.g.- inguinal- ventral).
- Appendectomy and cholecystectomy.
- Bariatric surgery.
- Hemorrhoidectomy and fistula repair.
- Endoscopy
- colonoscopy
- esophagogastroduodenoscopy (EGD)
- hernia
- cholecystectomy
- anastomosis
- colostomy
- polypectomy.
- 50-000 Series CPT
- Focus: Surgical procedures on the urinary- male/female reproductive systems- and maternity/delivery.
- Cystoscopy and ureteroscopy.
- Prostate procedures (e.g.- TURP).
- Hysterectomy and tubal ligation.
- Cesarean section and vaginal delivery.
- Fetal monitoring.
- Cystoscopy
- nephrectomy
- transurethral resection of the prostate (TURP)
- hysterectomy
- oophorectomy
- salpingectomy
- cesarean
- tocolysis.
- 60-000 Series CPT
- Focus: Surgical procedures on the nervous system- eye- and auditory system.
- Craniotomy and spinal procedures.
- Cataract extraction and glaucoma surgery.
- Tympanostomy and cochlear implant.
- Nerve blocks and neurostimulator placement.
- Craniotomy
- laminectomy
- discectomy
- cataract
- trabeculectomy
- vitrectomy
- tympanostomy
- neurostimulator
- nerve block.
- Evaluation and Management (E/M)
- Focus: Coding for office visits- hospital visits- consultations- and other E/M services.
- Levels of E/M services (e.g.- new vs. established patient).
- History- examination- and medical decision-making (MDM).
- Time-based coding.
- Prolonged services and critical care.
- E/M
- history of present illness (HPI)
- review of systems (ROS)
- medical decision-making (MDM)
- consultation
- critical care
- prolonged services.
- Anesthesia
- Focus: Coding for anesthesia services.
- Anesthesia time reporting.
- Qualifying circumstances (e.g.- extreme age- emergency).
- Physical status modifiers (P1–P6).
- Anesthesia for surgical- diagnostic- and obstetric procedures.
- Base units
- time units
- modifier
- physical status
- qualifying circumstances
- monitored anesthesia care (MAC)
- general anesthesia.
- Radiology
- Focus: Diagnostic and interventional radiology procedures.
- X-rays- CT- MRI- and ultrasound.
- Mammography and bone density studies.
- Interventional radiology (e.g.- angioplasty- embolization).
- Nuclear medicine.
- Modality
- contrast
- non-contrast
- mammography
- DEXA scan
- embolization
- angiogram
- fluoroscopy
- nuclear medicine.
- Laboratory/Pathology
- Focus: Laboratory and pathology procedures.
- Organ and disease panels.
- Drug testing and therapeutic drug assays.
- Urinalysis and molecular pathology.
- Surgical pathology and cytopathology.
- Panel
- assay
- urinalysis
- molecular pathology
- cytopathology
- surgical pathology
- immunohistochemistry
- flow cytometry.
- Medicine
- Focus: Non-surgical medical procedures and services.
- Immunizations and therapeutic injections.
- Cardiology procedures (e.g.- ECG- stress testing).
- Dialysis and chemotherapy.
- Physical therapy and psychiatric services.
- Electrocardiogram (ECG)
- stress test
- dialysis
- chemotherapy
- infusion
- vaccine
- psychotherapy
- biofeedback.
- Medical Terminology
- Focus: Understanding medical terms related to body systems- diseases- and procedures.
- Prefixes- suffixes- and root words.
- Terminology for circulatory- skeletal- nervous- and other systems.
- Common surgical and diagnostic terms.
- ectomy
- otomy
- oscopy
- cardio
- neuro
- osteo
- myo
- hemo
- patho
- benign
- malignant
- acute
- chronic
- Anatomy and Physiology
- Focus: Knowledge of human anatomy and physiological processes.
- Structure and function of body systems (e.g.- cardiovascular- respiratory- musculoskeletal).
- Anatomical landmarks and planes.
- Pathophysiology of common conditions.
- Proximal
- distal
- medial
- lateral
- anterior
- posterior
- sagittal
- coronary
- alveoli
- neuron
- tendon
- ligament
- ischemia
- ICD-10-CM Coding
- Focus: Application of ICD-10-CM diagnosis codes.
- Official guidelines for coding and reporting.
- Coding for diseases- injuries- and external causes.
- Sequencing of primary and secondary diagnoses.
- Z codes and V codes (supplementary classifications).
- Principal diagnosis
- secondary diagnosis
- comorbidity
- complication
- external cause
- Z code
- placeholder
- combination code.
- HCPCS Level II Coding
- Focus: Coding for supplies- medications- and professional services.
- Durable medical equipment (DME).
- Drugs and biologicals (e.g.- J codes).
- Modifiers for Medicare services.
- Ambulance and orthotic/prosthetic services.
- DME
- J code
- A code
- modifier
- orthotic
- prosthetic
- enteral
- parenteral.
- Coding Guidelines
- Focus: Application of CPT- ICD-10-CM- and HCPCS coding guidelines.
- CPT parenthetical notes and EXCLUDES notes.
- ICD-10-CM conventions (e.g.- “code first-” “use additional code”).
- Modifier usage.
- National Correct Coding Initiative (NCCI) edits.
- Modifier
- bundling
- unbundling
- NCCI
- EXCLUDES1
- EXCLUDES2
- code first
- sequenced diagnosis.
- Compliance and Regulatory
- Focus: Knowledge of healthcare regulations and compliance.
- HIPAA regulations.
- Medicare Parts A- B- C- and D.
- Fraud- waste- and abuse prevention.
- Documentation guidelines for reimbursement.
- HIPAA
- upcoding
- downcoding
- fraud
- abuse
- compliance
- medical necessity
- OIG
- CMS.
- Cases
- Focus: Practical application of coding skills through clinical scenarios.
- Coding from medical record documentation (e.g.- operative reports- physician notes).
- Scenarios covering surgery- E/M- radiology- pathology- and medicine.
- Integration of medical terminology- anatomy- and regulatory knowledge.
- Operative report
- encounter
- documentation
- medical necessity
- clinical scenario
- code linkage.
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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
