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 : BMAT
Exam Name : Biomedical Admissions Test
Vendor Name : Medical
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BMAT test Format | BMAT Course Contents | BMAT Course Outline | BMAT test Syllabus | BMAT test Objectives


Exam Details:
- Number of Questions: The BMAT (Biomedical Admissions Test) consists of three sections: Section 1 - Aptitude and Skills, Section 2 - Scientific Knowledge and Applications, and Section 3 - Writing Task. The number of questions in each section is as follows:
- Section 1: 35 multiple-choice questions
- Section 2: 27 multiple-choice questions
- Section 3: One writing task

- Time: The BMAT is a time-limited exam. The duration for each section is as follows:
- Section 1: 60 minutes
- Section 2: 30 minutes
- Section 3: 30 minutes

Course Outline:
The BMAT assesses a candidate's aptitude and knowledge in various areas relevant to the field of biomedical sciences. The test is divided into three sections, each with its own focus and objectives:

1. Section 1 - Aptitude and Skills:
- Critical Thinking: Assessing the ability to analyze and evaluate information, identify assumptions, draw conclusions, and detect logical flaws.
- Problem Solving: Evaluating the candidate's skills in applying logic and reasoning to solve problems, including numerical and spatial reasoning.
- Data Analysis and Inference: Testing the ability to interpret data presented in various formats (tables, graphs, charts) and draw meaningful conclusions.

2. Section 2 - Scientific Knowledge and Applications:
- Biology: Assessing the candidate's knowledge of biological concepts, including molecular biology, genetics, cellular structure, physiology, and evolution.
- Chemistry: Evaluating the understanding of chemical principles, including atomic structure, bonding, periodic table, organic chemistry, and biochemistry.
- Physics and Mathematics: Testing knowledge and application of physics concepts, such as mechanics, thermodynamics, waves, and medical physics, as well as mathematical skills relevant to biomedical sciences.

3. Section 3 - Writing Task:
- Writing Skills: Evaluating the candidate's ability to communicate effectively in written form.
- Critical Analysis: Assessing the capacity to critically evaluate arguments, provide logical reasoning, and present coherent and well-structured responses.

Exam Objectives:
The objectives of the BMAT are as follows:

1. Assessing Aptitude and Skills: Evaluate the candidate's critical thinking, problem-solving, and data analysis abilities, which are important skills for success in biomedical sciences.

2. Testing Scientific Knowledge: Assess the candidate's knowledge and understanding of core scientific concepts in biology, chemistry, physics, and mathematics relevant to biomedical sciences.

3. Evaluating Writing Skills: Assess the candidate's ability to communicate effectively in writing and critically analyze arguments.

4. Predicting Potential for Success: The BMAT aims to provide admissions tutors with additional information beyond academic grades to predict a candidate's potential for success in biomedical education.

Exam Syllabus:
The specific syllabus for the BMAT is not released publicly, as the test focuses on assessing general skills and knowledge applicable to biomedical sciences. However, it is recommended to familiarize yourself with the following topics:

- Section 1: Aptitude and Skills
- Critical thinking skills
- Problem-solving techniques
- Data analysis and inference

- Section 2: Scientific Knowledge and Applications
- Biology: Molecular biology, genetics, cellular structure, physiology, evolution
- Chemistry: Atomic structure, bonding, periodic table, organic chemistry, biochemistry
- Physics: Mechanics, thermodynamics, waves, medical physics
- Mathematics: Relevant mathematical concepts and calculations

- Section 3: Writing Task
- Essay writing skills
- Critical analysis and reasoning abilities

It is essential to review the official BMAT preparation materials and practice questions provided by the administering body to gain a comprehensive understanding of the test structure and content.



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Medical Test Question Bank

 

ChatGPT struggles to answer medical questions, new research finds

No result found, try new keyword!ChatGPT might not be a cure-all for answers to medical questions, a new study suggests. Researchers at Long Island University posed 39 medication-related queries to the free version of the ...

Medical Admission Test Cancelled Over Leakage Reports

The Dental and Medical Admission Test (DMAT) conducted recently in Madhya Pradesh has been cancelled over reports of the question paper having been leaked , despite protests by private colleges. The five-member Justice Chandresh Bhushan Committee, formed to check the alleged irregularities, decided that the examination be held afresh.

The test for admission into three medical colleges and eight dental colleges was conducted at various centres across the state Aug 13 and about 7,500 students appeared for it.

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Soon after the test, authorities were flooded with complaints of the paper having been leaked and sold for Rs.500,000. There were also complaints of pencils having been used instead of pens. Students alleged that the test of a few students was conducted in places other than the allotted examination rooms.

The matter was brought to the notice of Chief Minister Shivraj Singh Chouhan who sought a detailed report in this regard.

The Justice Bhushan Committee immediately served a notice to the Association of Private Medical and Dental Colleges (APDMC) seeking a reply on the alleged irregularities during the test.

Meanwhile, Chaturbhuj Dubey, an employee of a local college R.K. Dhawan Foundation, was arrested Aug 16 and Rs.1.2 million recovered from his possession, apart from several post-dated cheques running into several millions.

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Dubey admitted to have received the amount from students for admission into medical colleges.

"Investigations reveal that the foundation was deeply involved in heavy transactions for admissions into private medical and dental colleges," said a police official.

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The police team also reportedly uncovered huge financial transactions from the accounts of over a dozen employees of the college. They have now sought the help of the income tax department to keep a tab on these accounts.

The APDMC said these allegations of malpractice were baseless and its members protested the cancellation of the exam. Ashok Khurana, secretary of APDMC, said they would move the High Court against the decision.

The committee's decision, however, has been welcomed by political parties.

Vishnu Datt, national secretary of the Akhil Bharatiya Vidyarthi Parishad (ABVP), the student's wing of the Bharatiya Janata Party (BJP), said it was a victory of the poor and meritorious students.

Said Manak Agrawal, Madhya Pradesh Congress general secretary: "The tests should now be conducted by the State Professional test Board."

(Source: IANS)


What the MCAT Test Is Like and How to Prepare

No result found, try new keyword!The difficulty of the Medical College Admission Test, or MCAT, means that anyone who plans to take this entrance test should spend a significant amount of time studying for it. "Make sure that you ...
 




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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