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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Acme-Packet AP0-001 : Acme Packet Certification ACTUAL EXAM QUESTIONS

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Exam Number : AP0-001
Exam Name : Acme Packet Certification
Vendor Name : Acme-Packet
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AP0-001 test Format | AP0-001 Course Contents | AP0-001 Course Outline | AP0-001 test Syllabus | AP0-001 test Objectives

Exam: AP0-001 Acme Packet Certification

Exam Details:
- Number of Questions: The test consists of approximately 60 multiple-choice questions.
- Time: Candidates are given 90 minutes to complete the exam.

Course Outline:
The Acme Packet Certification course is designed to provide professionals with the knowledge and skills required to configure, deploy, and maintain Acme Packet solutions. The course covers the following topics:

1. Introduction to Acme Packet
- Overview of Acme Packet and its product portfolio
- Understanding session border controllers (SBCs)
- Acme Packet architecture and components
- Navigating and accessing Acme Packet management interface

2. Acme Packet Configuration and Deployment
- Pre-installation planning and requirements
- Installing and configuring Acme Packet devices
- Setting up network interfaces and routing
- Configuring security and access controls

3. Acme Packet Session Management
- Managing SIP sessions and call routing
- Implementing call admission control (CAC)
- Handling NAT traversal and media manipulation
- Configuring session policies and rules

4. Acme Packet Troubleshooting and Maintenance
- Monitoring and troubleshooting Acme Packet devices
- Analyzing logs and diagnostics information
- Performing software upgrades and backups
- Implementing high availability and redundancy

5. Acme Packet Integration and Interoperability
- Integrating Acme Packet with other network elements
- Interoperability with third-party systems
- Implementing SIP trunking and interconnectivity
- Testing and validating Acme Packet deployments

Exam Objectives:
The test aims to assess candidates' understanding and proficiency in the following areas:

1. Acme Packet fundamentals and product knowledge
2. Configuration and deployment of Acme Packet devices
3. Session management and call routing using Acme Packet
4. Troubleshooting and maintenance of Acme Packet solutions
5. Integration and interoperability with other systems

Exam Syllabus:
The test syllabus covers the syllabus mentioned in the course outline, including:

- Introduction to Acme Packet
- Acme Packet Configuration and Deployment
- Acme Packet Session Management
- Acme Packet Troubleshooting and Maintenance
- Acme Packet Integration and Interoperability

Candidates are expected to have a comprehensive understanding of these syllabus to successfully pass the test and demonstrate their proficiency in configuring, deploying, and maintaining Acme Packet solutions.

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Acme-Packet Packet test contents


Packet Generators Information

No result found, try new keyword!Packet generators are also capable of repetitious packet generation to test the efficacy of WAN packets (transmitted over wide area networks), and VoIP packets used in voice communications over the ...

A week of physical inactivity has similar health costs to smoking a packet of cigarettes

Google knows everything, so they tried ‘What is the health cost of a week of physical inactivity compared with the health cost of cigarette smoking?’ 915 000 results provided no clear answer. PubMed, on the other hand, was concise. Two results but no help. What is your guess? Does a day of physical inactivity affect your health like just a couple of smokes (no big deal), or like a packet of 20? How much physical inactivity damages health as much as a carton of cigarettes?

Personal Healthcare utilisation attributable to physical inactivity=US$300 annually

Given Google's lack of help, they reused some backs of envelopes. It is really not hard. The US population in 1999 was 272 million. The percentage inactive ranged from 29% to 48%, depending on your source. You could use both of these numbers for a sensitivity analysis, but let's be optimistic: 29%=79 million inactive Americans in 1999. These folks racked up $24 billion in healthcare costs in 1999.1 So, the annual per person cost of physical inactivity was US$300. Easy.

Personal Healthcare utilisation attributable to smoking=US$1600–1800 annually

What does JAMA tell us about US data for smoking?2 3 In 1998, smoking-attributable personal healthcare medical expenditures were $75.5 billion. For each of the approximately 46.5 million adult smokers in 1999, these costs represent $1623 in excess medical expenditures.2 3 More helpful than Google. This cost is supported by a different source; in 1999, smokers in California incurred direct costs of $1799 (54% of $3331). They ignore the indirect costs of smoking for this discussion—the loss of productivity associated with premature deaths. The important ratio is that a smoker's attributable healthcare cost of US$1600–1800 is five to six times that of an inactive person, all things being equal. Quick common sense check—smoking inflicts greater healthcare costs than being sedentary for 24 hours.4 This makes sense. All good so far.

Comparing the healthcare burden of physical inactivity with that of smoking

So there they have it—physical inactivity is only a fifth or a sixth as bad as smoking. Or 17–20% of what a smoker suffers with every cigarette. Good news really! Be inactive with impunity! The average smoker consumes 16 cigarettes a day.5 Dividing 16 smokes by 5 or 6 equals 3 cigarettes a day. Thus, physical inactivity costs mirror a convenient packet of 20 in a week. To reiterate, they propose that a week of physical inactivity is like one packet of 20 cigarettes with respect to personal health costs. But back-of-the-envelope calculations are just that—a starting-point to launch a discussion. They look forward to detailed analyses by expert economists. And what about a website where one can confess to exact days of inactivity and see a phial fill up with an appropriate dose of black ‘tar’—right in front of their eyes!

In this issue: cricket controversy

Let's move from the rather mundane dollars and cents to the controversy of ‘chucking’ in cricket (‘throwing’ to those not enamoured with the game). Their South African colleagues reveal (see page 420) why this has been such a heated debate.6 As is often the case, science can explain why different people see different things. And if you are a cricket lover, take time to check out the newly published Bob Woolmer's Art and Science of Cricket (Struik Publishers). The title words—both Art and Science—abound in this beautifully integrated tome. More details on the BJSM Blog (http://blogs.bmj.com/bjsm/).

Spot the MCL injury that accompanies patellar dislocation

Patellar dislocation can be challenging to manage—and outcomes can be poor. From Dublin comes the discovery that among 80 MRI-proven patellar dislocations, 50% had associated acute medial collateral ligament (MCL) injuries, and of those, half were grade II or III (see page 411). Important for physicians, physiotherapists, surgeons and radiologists to know! Immediately applicable impact—exactly BJSM's goal!7

Out of room, but there's more!

Thanks to their Editors for last month's shoulder issue—great feedback already. The theme continues (see page 407) with more insight into shoulder impingement in tennis from experts in Brazil.8 And for clinicians wrestling with return to play decisions in players with a hamstring injury, see the clinical predictors that were useful in an Australian football cohort (see page 415).9 Next month—a different type of football takes centre stage! But in the meantime, let's be role models of physical activity for their patients.10

  • Health Canada. The health effects of tobacco and health warning messages on cigarette packets. Ottawa, 2010.


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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 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.


    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:


    • 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


    • 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