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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Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der ACCNS-P: Clinical Nurse Specialist - Wellness through Acute Care (Pediatric) Prüfung.

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AACN ACCNS-P : Clinical Nurse Specialist - Wellness through Acute Care (Pediatric) test Questions, MCQs and Practice Test

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Exam Number : ACCNS-P
Exam Name : Clinical Nurse Specialist - Wellness through Acute Care (Pediatric)
Vendor Name : AACN
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Total MCQs : Check Questions

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ACCNS-P test Format | ACCNS-P Course Contents | ACCNS-P Course Outline | ACCNS-P test Syllabus | ACCNS-P test Objectives

Exam Code: ACCNS-P
Exam Name: Clinical Nurse Specialist - Wellness through Acute Care (Pediatric)
Exam format: Computer-based, linear (fixed form)
Number of Questions: 175 multiple choice questions
Number of scored items: 150 scored questions (25 are unscored “pretest” items used for statistical data)
Time allotted: 3½ hours (3.5 hours)
Passing score / cut score: 94 correct out of the 150 scored items
Certification valid for: 5 years

- Cardiovascular
- Acute inflammatory disease (e.g., myocarditis,endocarditis, pericarditis, vasculitis,Kawasaki)
- Cardiac surgery
- Cardiac tamponade
- Cardiogenic shock
- Cardiomyopathies (e.g., hypertrophic, dilated,restrictive, idiopathic)
- Dysrhythmias
- Heart failure (acute and chronic)
- Hypertension
- Hypertensive urgencies or emergencies
- Pulmonary edema
- Structural heart defects and disease (acquiredand congenital)
- Vasculitis

- Respiratory
- Acute lung injury (ALI), acute respiratorydistress syndrome (ARDS)
- Acute pulmonary embolus
- Acute respiratory failure
- Air-leak syndromes (e.g., pneumothorax,pulmonary interstitial emphysema,pneumopericardium, pneumomediastinum)
- Airway obstruction
- Aspiration
- Asthma/reactive airway disease
- Chronic lung disease (e.g., bronchopulmonarydysplasia, exacerbation, interstitialpulmonary fibrosis)
- Congenital and acquired anomalies
- Cystic fibrosis
- Exacerbation of chronic lung disease
- Inhalation injuries
- Obstructive sleep apnea
- Pleural effusion
- Pulmonary hemorrhage
- Pulmonary hypertension
- Pulmonary infections
- Thoracic and pulmonary trauma and injuries
- Thoracic surgery (e.g., lung reduction surgery,pneumonectomy, lobectomy, trachealsurgery)

Endocrine/Hematology/Gastrointestinal/Renal/Integumentary

- Endocrine
- Adrenal insufficiency
- Diabetes mellitus
- Diabetic ketoacidosis (DKA) andhyperglycemic hyperosmolar state (HHS)
- Hyperglycemia
- Hypoglycemia
- Inborn errors of metabolism
- Pituitary disorders
- Syndrome of inappropriate antidiuretichormone secretion
- Thyroid disorders

- Hematology/Immunology/Oncology
- Anemia
- Anticoagulation
- Autoimmune diseases
- Bleeding disorders
- Blood and blood-product transfusion
- Coagulopathies
- Congenital and acquired immunosuppression
- Hematologic and solid tumors
- Hyperbilirubinemia
- Myelosuppression (i.e., neutropenia,thrombocytopenia)
- Organ and tissue transplantation andassociated problems
- Sickle cell disease
- Venous thromboembolism

- Gastrointestinal
- Abdominal trauma
- Bowel infarction/obstruction/perforation
- Gastroesophageal reflux
- GI infectious disorders
- GI abnormalities (congenital and acquired)
- GI hemorrhage
- GI motility disorders (congenital and acquired)
- GI surgeries
- Inflammatory bowel disease
- Liver disease (e.g., hepatitis, hepatic failure)
- Malnutrition
- Nausea/vomiting
- Pancreatitis

- Renal/Genitourinary
- Acute kidney injury
- Chronic kidney disease (CKD)
- Renal/genitourinary abnormalities (congenitaland acquired)
- Nephrotoxic medication-associated kidneyinjury (NAKI)
- Electrolyte imbalances
- Fluid volume imbalances
- Incontinence
- Infections (e.g., UTI, PID, STIs)
- Renal trauma

- Integumentary
- Dermatologic disorders (e.g., incontinenceassociated dermatitis, impetigo, coxsackie,atopic dermatitis)
- Exfoliative skin disorders (e.g., StevensJohnson, TEN, epidermolysis bullosa)
- Infectious skin disorders
- IV infiltration and extravasation
- Pressure injuries
- Wounds

Musculoskeletal/Neurology/Psychosocial

- Musculoskeletal
- Congenital anomalies
- Functional issues (e.g., immobility, debility,falls, gait disorders, myopathies)
- Infections (e.g., necrotizing fasciitis,osteomyelitis)
- Rhabdomyolysis
- Spinal disease (e.g., scoliosis, kyphosis, discdisease)
- Sports injuries
- Fractures

- Neurology
- Brain death
- Cerebral salt wasting
- Congenital neurological abnormalities
- Encephalopathy
- Head and brain trauma/injury
- Hydrocephalus
- Intracerebral hemorrhage
- Intracranial hypertension
- Migraine headaches
- Neurologic infectious diseases
- Neuromuscular disorders
- Seizure disorders
- Space-occupying lesions
- Spinal cord injury
- Stroke
- Vascular malformation

- Psychosocial/Behavioral/Cognitive Health Issues
- Aggression
- Agitation
- Anxiety disorders (e.g., PTSD, OCD, fears,phobias)
- Attention-deficit/hyperactivity disorder
- Autism spectrum disorders
- Delirium
- Developmental delays and regression
- Eating disorders
- Learning disabilities and disorders
- Maltreatment (e.g., abuse and neglect)
- Medical nonadherence
- Mood disorders (e.g., depression)
- Personality disorders (e.g., antisocialbehaviors, schizophrenia)
- Post ICU syndrome
- Self-harm
- Sleep disorders
- Substance-use disorder
- Suicidal behavior

Multisystem

- Factors Influencing Health Status (risk exam, prevention and wellness)
- Advanced care planning
- Care transition
- Caregiver burden
- Developmental care
- Genetic counseling
- Growth and development (e.g., anticipatoryguidance, milestones)
- Immunizations/vaccinations
- Injury prevention (e.g., shaken baby, helmets,car seats, environmental modification, gunsafety)
- Behavioral health screenings
- Nutrition and weight management
- Pain prevention and management(e.g., needle stick, chronic pain syndromes)
- Physical health screenings
- Risk-taking behaviors (e.g., unprotected sex,substance use)
- Safe sleep
- Vulnerable population screenings(e.g., child abuse, intimate partner violence,human trafficking, bullying)
- Social determinants of health (e.g., access tocare, socioeconomic factors, health literacy)
- Population health
- Team-based care
- Gender-affirming care
- Patient and family-centered care
- Interventions for health promotion
- Transition to adult care
- Health policy
- Dyslipidemia (early-onset screening)

- Multisystem
- Acid-base imbalances
- Burns
- Neonatal opioid withdrawal syndrome
- Compartment syndrome
- Distributive shock (e.g., anaphylaxis,neurogenic)
- End-of-life issues
- Failure to thrive
- Hospital-acquired conditions (e.g., CAUTI,CLABSI, VAP, falls)
- Hypovolemic shock
- Hypoxic ischemic encephalopathy
- Infectious diseases (e.g., perinatal, viral,bacterial)
- Morbid obesity
- Multisystem trauma
- Near-drowning
- Pain
- Palliative care issues
- Patient safety issues
- Post-resuscitation care
- Sensory impairment (e.g., hearing, visual,speech, tactile)
- Sepsis/septic shock and MODS
- Toxic exposure (acute and chronic)
- Toxic ingestions and inhalations

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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