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 : CGRN
Exam Name : Certified Gastroenterology Registered Nurse
Vendor Name : ABCGN
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CGRN exam Format | CGRN Course Contents | CGRN Course Outline | CGRN exam Syllabus | CGRN exam Objectives
Exam Name: CGRN (Certified Gastroenterology Registered Nurse)
Certifying Body: American Board of Certification for Gastroenterology Nurses (ABCGN)
Exam Format: Computer-based- multiple-choice
Number of Questions: 175 (150 scored- 25 unscored pretest questions)
Exam Duration: 3 hours
Passing Score: Scaled score of 75 (range: 0–100)
I. General Nursing Care (21%)
- Normal and abnormal gastrointestinal anatomy- physiology- and pathophysiology
- Physiological- psychological- social- sexual- cultural- and spiritual aspects of patient wellness
- Pharmacology (e.g.- prescription medication- OTC- supplements/herbal- compliance/non-compliance issues- education- drug interaction)
- Patients' rights and privacy (e.g.- HIPAA- ethics)
- Standards of clinical nursing practice and role delineation in gastroenterology setting
B. Develop a Plan of Care and Educate based on the Patient's Level of Understanding
- Normal and abnormal gastrointestinal anatomy- physiology- and pathophysiology
- Physiological- psychological- social- sexual- cultural- and spiritual aspects of patient wellness
- Pharmacology (e.g.- prescription medication- OTC- supplements/herbal- compliance/non-compliance issues- education- drug interaction)
- Patients' rights and privacy (e.g.- HIPAA- ethics)
II. Gastroenterological Procedures (35%)
- Endoscopic procedures (diagnostic and therapeutic)
- Equipment- devices- and accessories
- Normal and abnormal gastrointestinal anatomy- physiology- and pathophysiology
- Environment of care (e.g.- thermal burns- chemical spills- radiation- timeout)
- Pharmacology (e.g.- sedation/anesthesia medication- reversal agents- procedure medications- resuscitative medication)
- Physiological- psychological- social- sexual- spiritual- and cultural aspects of wellness
- Potential complications and anticipated interventions (e.g.- hemorrhage- perforation- compromised airway- medication reaction)
- Specimen preparation- collection- processing- and handling (e.g.- labelling- storage- transportation- documentation)
B. Collaborate with the Health Care Team and Perform Non-Endoscopic Procedures to Provide Safe Care
- Non-endoscopic procedures (e.g.- diagnostic- therapeutic)
- Equipment- devices- and accessories
- Normal and abnormal gastrointestinal anatomy- physiology- and pathophysiology
- Environment of care (e.g.- time out- spills)
- Pharmacology (e.g.- learning needs- sedation/anesthesia medications- reversal agents- procedure medications- resuscitative medication- biologics)
- Physiological- psychological- social- sexual- spiritual- and cultural aspects of wellness
- Potential risks- complications- and interventions
- Specimen preparation- collection- processing- and handling (e.g.- labelling- storage- transportation- documentation)
III. Patient Care Interventions (25%)
A. Recognize and Respond to Emergent Changes in Patient Status to Prevent Complications and Maximize Positive Outcomes
- Potential risks- complications- and anticipated interventions (e.g.- underlying conditions)
- Resuscitation procedures and equipment
- Normal and abnormal gastrointestinal anatomy- physiology- and pathophysiology
- Emergency/reversal medications
- Sedation/anesthesia guidelines and principles (e.g.- American Society of Anesthesia [ASA]- airway status)
B. Promote Wellness by Managing GI Health Care Needs
- Health maintenance- health promotion- and disease prevention activities (e.g.- diet- nutrition- screening intervals- adenoma detection rates [ADR]- lifestyle modification)
- Normal and abnormal gastrointestinal anatomy- physiology- and pathophysiology
- Therapeutic interventions in pain management (e.g.- ambulation- medication- positioning)
- Patient's rights and responsibilities (e.g.- advance directives)
- Pharmacology (e.g.- PPI- laxative- pro-biotics- biologics- timing of medication)
- Potential complications (e.g.- flare ups- drug reactions/interactions)
- Physiological- psychological- social- sexual- spiritual- and cultural aspects of wellness
- Resources (e.g.- palliative- support group- financial and social assistance)
C. Administer Medications and Fluids to Provide Safe Care
- Established standards for administering medications and fluids (e.g.- safe administration practices)
- Normal and abnormal gastrointestinal anatomy- physiology- and pathophysiology
- Pharmacology (e.g.- biologics- infusions/injections- antibiotic- timing of medication)
- Physiological- psychological- social- sexual- cultural- and spiritual aspects of wellness
- Potential adverse reactions- complications- and anticipated intervention
IV. Environmental Safety- Infection Prevention and Control (19%)
- Implement Procedure-Related Environmental Safety- Infection Prevention- and Control
- Standards for infection prevention in an endoscopy setting (e.g.- validation of competencies- OEM instructions for use- PPE- spills)
- Equipment reprocessing (e.g.- scopes- devices- and accessories- AER- bio burden- timing/delayed reprocessing)
- Sterilization and high-level disinfection (e.g.- Spaulding classification- single use devices versus reusable devices- minimal effective concentration of disinfection solutions)
- Safe administration practices (e.g.- multi-dose vial)
- Body mechanics (e.g.- ergonomics- abdominal pressure- repetitive injuries)
- Electrical- laser- radiation- and chemical exposure (e.g.- body piercings- tattoos- implanted devices- return electrode placement)
V. Implement Environmental Safety- Infection Prevention and Control in Gastroenterology
- Patient education related to infectious disease
- Pathogen transmission (e.g.- bloodborne- airborne- contact)
- Multi-drug resistant organisms (e.g.- VRE- CRE)
- Personal Protective Equipment (PPE)
- Surface disinfection (e.g.- point-of-care monitors- non-disposable equipment- communication devices- contact time)
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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

