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 : AMWA-MWC
Exam Name : Medical Writer Certified (MWC)
Vendor Name : AMWA
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AMWA-MWC exam Format | AMWA-MWC Course Contents | AMWA-MWC Course Outline | AMWA-MWC exam Syllabus | AMWA-MWC exam Objectives
Exam Code: AMWA-MWC
Exam Name: AMWA Medical Writer Certified
Type: Online, proctored exam
Duration: 2.5 hours
Number of Questions: 125 multiple-choice questions
Passing Score: 70% (minimum)
1. Gathering (16% of content)
- Determine purpose of document
- Identify context for document
- Identify target audience
- Assess needs
- Identify knowledge gaps
- Select appropriate output type (eg, publications, regulatory documents, continuing medical education materials, patient education)
- Identify appropriate outlet (eg, target journal, other print media, web)
- Apply effective processes to gather information
- Conduct a literature search (eg, PubMed/ MEDLINE)
- Elicit information from collaborators and stakeholders (eg, interview researchers, statisticians, clinicians, patients, regulators, thought leaders)
- Identify other relevant sources (eg, websites, databases, data outputs, clinical guidelines)
- Identify relevant writing guidelines, instructions, and ethical standards (eg, journal instructions for authors, grant application instructions, regulatory requirements)
- Identify relevant document models and templates
- Identify necessary forms and supporting materials (eg, permission to reprint, disclosures, copyright)
2. Evaluating (19% of content)
- Evaluate collected information with regard to
- content (ie, quality and relevance, level of evidence)
- audience (ie, appropriate and relevant to needs)
- context (ie, credibility of sources and suitability for purpose)
- Perform fact or data check
- Identify inconsistencies in data or other content presented
- Conduct critical review of a draft
- Assess quality of writing (eg, clarity, readability, usability, logic, organization, consistency)
- Provide constructive criticism
- Provide options for solutions
- Craft appropriate queries
- Evaluate representation and description of data
- Recognize ethical considerations with respect to self and others (eg, conflict of interest, disclosure, authorship, plagiarism, duplicate publications)
- Evaluate for completeness, fair balance, and absence of bias
- Determine appropriate levels of editing (eg, proofreading, microediting, macroediting)
- Implement best approach to resolve issues (eg, author disagreements, scope change, unexpected delays)
3. Organizing (19% of content)
- Determine correct organization of a document (eg, IMRAD)
- Identify and prioritize key elements of content
- Structure content to communicate message
- Develop an outline
- Apply templates and guidelines to documents (eg, CONSORT, ICMJE, FDA, ICH, PRISMA, ACCME, HIPAA, health literacy)
- Determine structure of tables and figures to best communicate data
- Determine which references to cite in a document
- Comprehend processes of developing and disseminating documents (eg, news releases, publications, grant and regulatory submissions)
- Design project work plan
- Determine deliverables
- Develop timeline
- Recognize roles, responsibilities, and processes
- Track progress and status of a project
- Determine process for tracking changes and version control
- Recognize and apply appropriate software and technology to use in developing a document
4. Interpreting (19% of content)
- Comprehend relevant medical and scientific content
- Understand terminology
- Understand concepts (eg, cellular and molecular level, organism level, and population level)
- Understand study design (eg, clinical trial, case control, longitudinal study)
- Understand statistical concepts (eg, P value, CI, power)
- Interpret clinical and numerical data
- Derive key messages
- Determine inferences, implications, or clinical relevance
- Synthesize and integrate information
- Revise or repurpose existing content
- Comprehend review processes (eg, peer review, grant review, regulatory review)
- Respond to reviewers comments
- Interpret feedback from reviewers
- Determine appropriate responses
5. Presenting (27% of content)
- Present the message logically and coherently (ie, tell the story)
- Retain the intended meaning of source materials or original document
- Communicate scientific content appropriately
- Communicate statistical content appropriately
- Develop clear, concise prose
- Write an abstract (eg, for presentation or publication) or executive summary
- Tailor prose to the audience
- Build logical and science-based arguments
- Apply proper mechanics
- Apply rules of grammar, spelling, and punctuation
- Apply proper word usage (general and medical), correct nomenclature, and nondiscriminatory language
- Construct effective sentences
- Construct effective paragraphs (eg, Topic sentences, transitions, repetition of key terms)
- Apply techniques for cohesion between paragraphs and sections
- Apply principles of proofreading
- Apply basic principles of design and layout (eg, document, slide, poster, web)
- Apply principles of visual presentation of data (eg, tables, figures)
- Write document to adhere to standardized formats, guidelines, instructions, and ethical standards
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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
