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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Medical CCP : Certificate in Child Psychology exam Dumps

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Exam Number : CCP
Exam Name : Certificate in Child Psychology
Vendor Name : Medical
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CCP exam Format | CCP Course Contents | CCP Course Outline | CCP exam Syllabus | CCP exam Objectives

Exam Details:
- Number of Questions: The number of questions in the CCP (Certificate in Child Psychology) exam may vary depending on the certifying organization or program. Typically, the exam consists of multiple-choice or short-answer questions, and the exact number can range from 50 to 100 questions.

- Time: The duration of the exam can vary depending on the organization or program. It is typically between 2 to 3 hours. However, it's important to note that the exam duration may differ depending on the certifying body. It is advisable to check the specific guidelines provided by the certifying organization for accurate and up-to-date information.

Course Outline:
The CCP program is designed to provide individuals with a comprehensive understanding of child psychology. While the specific course outline may vary depending on the program or organization offering the certification, the following syllabus are typically covered:

1. Introduction to Child Psychology:
- Overview of child psychology as a discipline
- Theories and approaches in child psychology
- Ethics and professional standards in working with children

2. Child Development:
- Prenatal and early childhood development
- Cognitive, social, emotional, and physical development
- Developmental milestones and factors influencing development

3. Psychological Assessment:
- Assessment techniques and tools for evaluating child behavior and development
- Standardized exams and measures
- Observation and interview techniques

4. Social and Emotional Development:
- Attachment theory and its impact on child development
- Socialization and peer relationships
- Emotional regulation and development of self-identity

5. Learning and Cognition:
- Cognitive development and information processing
- Theories of learning and educational implications
- Language acquisition and communication development

6. Behavioral Issues and Disorders:
- Common behavioral issues in childhood
- Attention-deficit/hyperactivity disorder (ADHD), autism spectrum disorder (ASD), and other developmental disorders
- Behavioral interventions and treatment approaches

7. Family and Environmental Factors:
- Influence of family dynamics on child development
- Impact of socio-economic factors, culture, and environment on child well-being
- Risk and protective factors in child development

Exam Objectives:
The objectives of the CCP exam typically include:

1. Assessing Knowledge: Evaluate the candidate's understanding of child psychology theories, concepts, and principles.

2. Testing Application Skills: Assess the candidate's ability to apply child psychology knowledge to real-world scenarios, such as analyzing case studies or developmental exams.

3. Evaluating Critical Thinking: Assess the candidate's critical thinking skills in relation to child psychology, including problem-solving, analyzing research findings, and interpreting psychological exams.

4. Certifying Child Psychology Competencies: Provide a recognized certification for individuals who demonstrate their competence in the field of child psychology, indicating their ability to work effectively with children and families.

Exam Syllabus:
The specific exam syllabus for the CCP may vary depending on the certifying organization or program. The syllabus typically covers the following syllabus (but is not limited to):

1. Theoretical Foundations:
- Major theories and approaches in child psychology
- Historical perspectives on child development
- Ethical considerations in working with children

2. Child Development:
- Prenatal development and early infancy
- Cognitive, social, emotional, and physical development across childhood
- Developmental milestones and factors influencing development

3. Assessment and Evaluation:
- Psychological exam techniques for children
- Standardized exam tools for child development
- Observation and interviewing techniques

4. Social and Emotional Development:
- Attachment theory and its impact on child development
- Socialization processes and peer relationships
- Emotional regulation and development of self-identity

5. Learning and Cognition:

Cognitive development and information processing
- Theories of learning and educational implications
- Language acquisition and communication development

6. Behavioral Issues and Disorders:
- Common behavioral issues in childhood and adolescence
- Diagnosis and intervention for disorders like ADHD, ASD, and conduct disorders
- Behavioral and therapeutic approaches for children with behavioral challenges

7. Family and Environmental Factors:
- Influence of family dynamics on child development
- Impact of socio-economic factors, culture, and environment on child well-being
- Risk and protective factors in child development and interventions

It is important to note that the specific syllabus and depth of coverage may vary based on the certifying organization or program offering the CCP certification. Candidates should consult the official guidelines and materials provided by the certifying body for the most accurate and up-to-date information.

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Medical Child PDF Download


Child Neurology Residency Program

*photos not showing social distancing or mask-wearing were taken before the COVID-19 pandemic


Welcome and thank you for your interest in the UAB Child Neurology residency program! Their ACGME-accredited, five-year categorical program is designed to educate and empower trainees to be well-trained, patient-centered child neurologists. Training is based on supervised clinical work with increasing responsibility for outpatients and inpatients over time. Applications for the Child Neurology residency program are accepted through ERAS only. Applicants do NOT need to separately apply to the UAB Pediatric Residency Program for the Child Neurology positions.

Our program offers two categorical resident positions each year. Almost all residents complete two years of training in pediatrics prior to the initiation of training in child neurology. Their graduates are eligible to sit for the American Board of Psychiatry and Neurology as well as the American Board of Pediatrics board examinations.

After completing two years of training in general pediatrics at UAB/Children’s of Alabama, their trainees complete adult neurology training and child neurology training where they focus on the evaluation and management of patients with a wide array of neuropathology at University Hospital, the Birmingham VA Medical Center, Kirklin Clinic, and Children’s of Alabama. All locations are within a short walk of each other!During the PGY-3 year, their trainees complete 9 months of adult neurology training and have 3 months of child neurology training. The PGY-3 trainees also begin taking care of patients in their weekly pediatric neurology continuity clinic. In the PGY-4 year, their trainees complete 12 months of child neurology training in the outpatient, inpatient, and elective settings as they learn from patients and their families. During the PGY-5 year, trainees spend one month on their child neurology inpatient consult service “pre-tending,” 3 months in adult neurology (completing neuropathology, outpatient clinics, and a desired elective), and they have the opportunity to design the other 8 months of that year in a way that best suit their interests and future endeavors. They offer a variety of outpatient clinic opportunities, electives, research/QI activities, and they encourage their PGY-5s to focus on how to best prepare for board certification and a career after graduation from their program.

During the PGY-3, PGY-4, and PGY-5 years, trainees attend a variety of educational conferences hosted by both the UAB Division of Pediatric Neurology and the UAB Department of Neurology. They also attend weekly Grand Rounds at Children’s of Alabama and UAB Department of Neurology Grand Rounds.

Lastly, their diverse faculty of child neurologists enjoy teaching motivated, well-rounded trainees. They believe in the power of mentorship and lifelong learning. They are a close-knit group of child neurologists who enjoy Birmingham as it is a thriving, affordable city for individuals with a variety of interests outside of work! They want all of their trainees and their faculty to balance wellness and the true privilege of working to achieve high patient care and advancements within their exciting field. Thank you again for your time and interest in their program. Please do not hesitate to contact us if you have questions about their program.


Dr. Sarah Novara

Pediatric Neurology at Children's of Alabama

Children's of Alabama is the only free-standing pediatric hospital in Alabama. It is one of the 10 busiest hospitals in the nation. With over 16,000 inpatient admissions and over 690,000 outpatient visits annually, you will get plenty of exposure!

The neurology service at Children's of Alabama provides a very well rounded experience. In 2021, the division had around 9,000 outpatient clinic visits and over 4,600 inpatient consults and 3,300 telehealth visits. Child neurology trainees assist in the care of hospital patients as members of their consultation service. They also attend general neurology and neurology sub-specialty clinics with all of the child neurology attendings.

Pediatric neurology call is covered by adult neurology rotating PGY-3s and their PGY3-5s throughout each year. They have a night float system that operates most Monday-Friday evenings with another trainee on home call for Saturday-Monday morning. These weeks of night float or weekend home call are scattered throughout each academic year. There are several in-house pediatric residents on-call every night who provide first-line cross-cover for patients who have been consulted on by neurology. Overall, pediatric neurology PGY-4s and PGY-5s on call provide backup and assistance almost exclusively over the phone to the in-house residents when on home call, and when on night float, they perform telephone consults along with various in-person consults on patients needing to see neurology prior to Emergency Department discharge, those with neurologic emergencies, or those who are being admitted and need a neurology consultation. Their trainees and adult neurology rotating PGY-3s have a backup attending and epileptologist on call with them at all times, and their trainees perform no more than 6 weeks of night float per year.

Pediatric Neurology Faculty

Couple sues hospital after baby is allegedly decapitated during child birth

ATLANTA, Georgia (WANF) — A lawsuit filed on Wednesday in Clayton County court claims health professionals at Southern Regional Medical Center incorrectly delivered a baby, resulting in decapitation — and then tried to cover it up.

“When the womb was open, the feet came out, the body came out, and there was no head,” said Dr. Roderick Edmond, who is representing the Clayton County couple.

The negligence and fraud suit names several defendants, including the hospital, a doctor, several nurses and the medical group at large, a statement from law firm Edmond & Lindsay, LLP said.

According to the complaint, 20-year-old Jessica Ross was giving birth on July 9 when the baby’s shoulders got stuck in the vaginal canal. A doctor allegedly performed a cesarean section too late and applied “excessive tension” on the baby’s head, causing it to detach from the body.

“My clients asked for a C-section much sooner than it was ever delivered while the baby was viable,” Edmond said.

The law firm also said the doctor did not tell the mother and father, Treveon Isaiah Taylor, what had happened. Instead, hospital staff allegedly refused to let them hold the baby after death. They showed the parents the baby wrapped tightly in a blanket with the head propped on top, a statement said. It also says staff pressured the couple to the remains and told them an autopsy wasn’t warranted.

“They did everything in their power to not let the family know what actually happened on that day,” said Cory Lynch, who is also representing Ross and Taylor.

The couple reportedly didn’t learn about the decapitation until four days after delivery.

“This caused immediate, profound emotional and mental anguish for [the plaintiffs]… emotional and mental anguish that they continue to experience and most probably will experience for the rest of their lives,” the complaint says.

The complaint asks for compensatory and punitive damages, in addition to recovering the $10,000 cost of their son’s funeral and burial.

Southern Regional Medical Center said in a statement that it is unable to discuss the treatment of specific patients because of HIPAA laws.

“Our heartfelt thoughts and prayers are with the family and all those impacted by this tragic event. Their prayers also remain with the dedicated team of physicians, nurses and staff at Southern Regional Medical Center who cared for this patient,” the statement said. “Our commitment is to provide compassionate, quality care to every single patient, and this loss is heartbreaking.”

In an additional statement, a spokesperson for Southern Regional Medical Center denied the allegations in the lawsuit.

“While their heartfelt sympathies go out to the family, Southern Regional Medical Center denies the allegations in the Complaint referencing the hospital. Since this matter is in litigation, they are refrained from providing any additional information,” the statement said. “Dr. St Julian [who is named in the lawsuit] is not an employee of the hospital. The hospital has taken the appropriate steps in response to this unfortunate situation.”

The-CNN-Wire™ & © 2023 Cable News Network, Inc., a Warner Bros. Discovery Company. All rights reserved.

‘Grossly Negligent’: Georgia Couple Alleges Their Baby Was Decapitated During Birthing and Medical Care Providers Tried to Hide It

A Georgia couple filed a lawsuit alleging their baby’s head was decapitated during the birthing process, but hospital staff did not tell them until the mother was discharged.

Police are investigating the validity of the claim against the Southern Regional Medical Center and others involved.

Attorneys for Jessica Ross and Treveon Isaiah Taylor, Sr. filed a civil claim against Dr. Tracey L. St. Julian, six male and female doctors, Prime Healthcare Services/ Southern Regional Medical Center in metro Atlanta, according to court documents obtained by Atlanta Black Star.

The couple was anxiously expecting their first child and were “devastated to learn that not only did their baby not survive the delivery, but he was also tragically decapitated in the process,” lawyers said via email.

Ross, the 20-year-old mother, was a high-risk pregnancy due to her struggles with Type 2 diabetes. At 4 feet 9 and 200 pounds, her diabetes, according to the lawsuit, was not under control throughout her pregnancy and under strict observation by the maternal-fetal medicine specialists for the high-risk obstetrics team at Atlanta Perinatal Associates.

She went into labor on July 9, and a month later, via a newly announced lawsuit, the couple is asking a Clayton County court to award them damages after a trial by jury.

On the day her son was to be born, her water broke at 10 a.m., and she was rushed to Southern Regional Medical Center but was not fully dilated until 8:40 p.m.

According to the lawsuit, the baby stopped his descent, but Ross still pushed and tried to supply birth naturally for three additional hours.

The complaint states St. Julian stepped in to deliver the boy “using different methods, including applying traction to the baby’s head.”

By 11:49 p.m., the doctor decided to perform a STAT Cesarean section but could not complete it until around 3 a.m. the next morning.

On July 10, the baby’s legs and body were delivered via Cesarean, but his head was delivered vaginally, the claim says.

The parents said they were not immediately told about the decapitation and were not advised after Ross was discharged.

“When Ms. Ross and Mr. Taylor demanded to see and hold their baby, hospital staff told them that they were not allowed to touch or hold their child,” a statement from attorneys for the couple says, “Hospital staff allowed the young couple to only view their dead child. During this viewing, their baby was wrapped tightly in a blanket with his head propped on top of his body in a manner such that those viewing him could not identify that he had been decapitated.”

While the family is filing a civil claim, the Clayton County Police Department has opened an investigation into the death of the baby, whose name was Treveon Isaiah Taylor Jr.

According to a tweet, the hospital didn’t notify the Clayton County Medical Examiner’s office until three days after the baby’s death.

Media Advisory – Active Infant Death Investigation

The Clayton County Police Departement opened an investigation into the death of an infant that occurred on July 9, 2023 and reported to the Clayton County Medical Examiners on July 13, 2023. pic.twitter.com/ybb7xsgXIB

— Clayton County PD (@ClaytonCountyPD) August 9, 2023

The lawsuit alleges St. Julian demonstrated gross negligence. The doctor’s decisions were made during Ross’ crisis, but the lawsuit claims no consultation with other medical professionals (nurses or doctors) occurred for each step.

The doctor is further accused of recklessly applying excessive force to the baby’s head and neck during delivery. She is also accused of “grossly negligently” applying “excessive traction” to the baby’s head and neck during his delivery. The nurses are also scrutinized for not initiating emergency obstetrical protocols promptly when Ross faced a crisis.

Additionally, the family alleges that both the hospital and its staff committed fraud and intentionally inflicted emotional distress by withholding information about the baby’s “decapitation during the first discussion” of the baby’s death with Ross, Taylor, and their family.

The lawsuit seeks compensation for the potential value of the baby’s life, encompassing potential earnings and happiness. It also aims to redress the agony of the baby’s suffering and death, alongside Ross’ emotional and physical distress.


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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