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 : CNN
Exam Name : Certified Nephrology Nurse
Vendor Name : Medical
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Exam ID : CNN

Exam Title : Certified Nephrology Nurse

Number of Questions : 150

Duration of test : 3 hours

Passing Scores : 70%

The CNN test consists of 150 questions and must be completed in three (3) hours. A correct response rate of no less than 70% is required to pass the exam.

Content Areas % of Test

Concepts of kidney disease 35%

Hemodialysis 30%

Peritoneal dialysis 20%

Transplant 10%

Acute therapies 5% (CRRT, SLEDD, apheresis, acute HD, acute PD)

1. Recognize pathologic processes and complications that occur with kidney disease and/or treatment modalities. (18%)

2. Select interventions appropriate to the pathologic processes and complications that occur with kidney disease and/or treatment modalities. (15%)

3. Apply physiologic and technical principles of renal replacement therapies. (10%)

4. Select appropriate teaching/learning strategies to educate client, family, other health professionals, and the public. (10%)

5. Select appropriate actions in administering medication(s) to the patient being treated for kidney disease. (12%)

6. Recognize the importance of an interdisciplinary approach to promote optimum functioning across the continuum of care. (7%)

7. Select interventions appropriate to the psychological and sociocultural effects of kidney disease. (6%)

8. Apply principles of infection control. (16%)

9. Recognize the importance of professional nursing practice in promoting patient outcomes (e.g., staff development, quality improvement, consultation, and research). (6%)

The applicant must hold a full and unrestricted license as a registered nurse in the United States, or its territories.
The applicant must have completed a minimum of 3,000 hours of experience in multiple areas of nephrology nursing within the three (3) years prior to application. If the applicant is working in an outpatient hemodialysis facility, at least 750 hours (25%) of the 3,000 hours of experience must also include one or more of the following:

Home hemodialysis.

Home peritoneal dialysis.

Inpatient acute kidney injury on kidney replacement therapy.

Inpatient critical care on kidney replacement therapy.

CKD management NOT on kidney replacement therapy.

Kidney transplant.


The applicant must possess a baccalaureate degree in nursing or a masters degree in nursing.

The applicant must have completed thirty (30) contact hours of approved continuing education credit in nephrology nursing within three (3) years prior to submitting the test application.

Continuing education must be approved by one of the following:

Organizations accredited by the American Nurses Credentialing Center – Commission on Accreditation (ANCC-COA) the credentialing body of the American Nurses Association.

The American Association of Critical-Care Nurses (AACN).

The Council of Continuing Education.

California, Florida, Iowa, Kansas, or Ohio State Boards of Nursing.

Please be aware that although programs may meet requirements set forth by other state boards of nursing, they may not meet the Nephrology Nursing Certification Commission criteria.

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Medical Nurse test Questions


Questions Doctors Wish Their Patients Would Ask

No result found, try new keyword!Here are ten crucial questions that doctors wish their patients would ask to help you make informed decisions about your health. Preventive care is intended to target disease prevention and keep the ...

Waiting for Medical Test Results: Dealing With the Anxiety, Uncertainty

Joy Frank-Collins was at a conference for work in Lyon, France, when her husband, Ethan, mentioned he was feeling tired. A human resources executive by day and a second-year law student at night, her healthy husband had never broken a bone, had surgery or spent a night in the hospital — until weeks later when lab work ordered by his primary care doctor revealed a serious condition.

“He was tracking the blood test results in real time, and none of them were normal. They basically were Googling and not liking what they were seeing,” she says.

Ethan Frank-Collins, 48, is on medical leave from his job in Columbus, Ohio, at a health care organization. Joy, also 48, is a marketing communication specialist for a nonprofit research firm and works remotely full-time while her husband is treated for acute lymphoblastic leukemia diagnosed in November.

“Those first few days, I felt like I had a nest of bees in my chest from that Monday when he did the lab work until they got his diagnosis,” Joy says. “You’re in such a state of unknowing.”

“MyChart (a secure electronic patient portal) is both a blessing and a curse,” she says. “You’re most of the time seeing your results before your doctors are telling them to you, and you don’t have the level of expertise of the doctor to read between the lines. But the longer I’m doing this, I understand more.”

In the early morning of Aug. 9, Ethan and Joy Frank-Collins leave their home in Columbus, Ohio, to drive to Cleveland.

Andrew Spear

The fear factor

As the couple quickly learned, one of the most stressful parts of any major illness is waiting for test results. How to manage expectations and help a loved one deal with the anxiety-producing waiting game is particularly difficult for those unaccustomed to anything other than the routine test. And there’s no “normal” wait time for a test result because the length of time it takes to get a result is test-specific, including whether it involves tissue samples, imaging, blood work or a culture that needs time to grow. Being patient isn’t easy when those results can mean a life-altering diagnosis or a major shift in health status. “It’s such a huge change in someone’s life overnight,” says Christina Irving, director of client services at the San Francisco-based Family Caregiver Alliance, a national nonprofit.

“Emotionally, there’s a lot for the caregiver and the patient to come to terms with,” she says. “Part of the challenge is the uncertainty of what’s to come — and even understanding what it means for the moment.

“It’s quite common that people don’t feel like they have a good handle on what this means,” says Irving, a licensed clinical social worker. “People might have more access to their medical records, but that does not mean they know what that means.”

Accessing results via a patient portal

A 2022 study, published in the journal Health and Technology, asked individuals about receiving test results via electronic patient portals and found an online preference only for routine test results, such as cholesterol or strep.

Of the 8,030 respondents, 54 percent were ages 55 to 74. The preference for portals depended on the test, as “patients are more likely to feel informed when receiving less serious test results, but more anxious when receiving results from more consequential tests,” the study says.

The study found that even considering a three-week wait for results, patients preferred hearing serious test results — such as cancer, Alzheimer’s or a potential miscarriage — directly from the doctor.

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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