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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CBUNA CUNP : Certified Urologic Nurse Practitioner (CUNP) exam MCQs and Practice Test

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Exam Number : CBUNA-CUNP
Exam Name : Certified Urologic Nurse Practitioner (CUNP)
Vendor Name : CBUNA
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CBUNA-CUNP exam Format | CBUNA-CUNP Course Contents | CBUNA-CUNP Course Outline | CBUNA-CUNP exam Syllabus | CBUNA-CUNP exam Objectives


- Common Pediatric Disorders
- Congenital anomalies
- hypospadias
- epispadias
- cryptorchidism
- Vesicoureteral reflux (VUR) and its management.
- Neurogenic bladder in pediatric patients.
- Urinary tract infections (UTIs) in children.
- Enuresis
- daytime incontinence
- nighttime incontinence
- Posterior urethral valves and other obstructive uropathies in children.

- Urinary Tract Inflammations and Disorders
- Cystitis
- bacterial
- interstitial
- radiation-induced
- Pyelonephritis
- acute
- chronic
- Urethritis and sexually transmitted infections (STIs).
- Prostatitis
- acute bacterial
- chronic bacterial
- chronic pelvic pain syndrome
- Epididymitis and orchitis.
- Urologic manifestations of systemic diseases
- lupus
- diabetes

- Voiding Dysfunctions, Including Incontinence
- Overactive bladder (OAB) and detrusor overactivity.
- Stress urinary incontinence (SUI).
- Mixed urinary incontinence.
- Neurogenic bladder
- due to spinal cord injury
- multiple sclerosis
- Post-void residual (PVR) and its implications.
- Behavioral and pharmacologic management of voiding dysfunctions.

- Obstructive Uropathies and Trauma, Including Stones and BPH
- Benign prostatic hyperplasia (BPH) and lower urinary tract symptoms (LUTS).
- Urolithiasis
- kidney stones
- ureteral stones
- bladder stones
- Ureteral and urethral strictures.

- Bladder outlet obstruction (BOO).
- Trauma to the genitourinary system
- renal trauma
- urethral injury
- Post-obstructive diuresis and its management.

- Sexual Dysfunctions, Disorders of Genitalia, and Male Infertility
- Erectile dysfunction (ED) and its evaluation/treatment.
- Peyronies disease.
- Priapism.
- Male infertility
- varicocele
- azoospermia
- Testicular pain and scrotal masses.
- Disorders of the penis and scrotum
- phimosis
- paraphimosis
- hydrocele

- Genitourinary Lesions, Benign and Malignant
- Prostate cancer
- screening
- diagnosis
- management
- Bladder cancer
- non-muscle invasive
- muscle-invasive
- Renal cell carcinoma (RCC).
- Testicular cancer.
- Penile and urethral cancers.
- Benign prostatic hyperplasia (BPH) and its complications.
- Hematuria evaluation
- gross
- microscopic

- Assess and Diagnose Pathologic Processes and Complications of Urologic Conditions
- Comprehensive history-taking and physical examination.
- Interpretation of diagnostic tests
- urinalysis
- urodynamics
- imaging
- Differential diagnosis of urologic conditions.
- Recognition of complications
- sepsis
- acute kidney injury

- Prescribe/Perform Interventions, Including Treatments, Therapies, and Procedures
- Pharmacologic management
- antibiotics
- alpha-blockers
- anticholinergics
- Non-pharmacologic interventions
- bladder training
- pelvic floor exercises
- Minor procedures
- catheterization
- bladder irrigation
- Pre- and post-operative care for urologic surgeries.
- Pain management strategies.

- Educate Patient, Family, Other Health Care Professionals, and the Public
- Patient education on disease prevention and management.
- Counseling on lifestyle modifications
- diet
- smoking cessation
- Teaching about self-catheterization, stoma care, and continence products.
- Providing resources and support for patients with chronic urologic conditions.
- Educating other healthcare providers about urologic care best practices.

- Consult for and with Peers and Other Health Care Professionals Regarding Specific Cases
- Collaborating with urologists, oncologists, nephrologists, and other specialists.
- Participating in multidisciplinary team meetings.
- Referring patients to appropriate certified when needed.
- Providing second opinions or expert advice on complex cases.

- Participate in Practice Management and Research Activities to Promote Optimal Outcomes
- Case management and coordination of care for urologic patients.
- Quality improvement initiatives in urologic care.
- Participation in clinical research and evidence-based practice.
- Documentation and coding for urologic conditions and procedures.
- Ensuring compliance with regulatory 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