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.
Wo erhalte ich vollständige Informationen über CNS?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CNS: Clinical Nurse Specialist Prüfung.
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Exam Number : CNS
Exam Name : Clinical Nurse Specialist
Vendor Name : Medical
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CNS exam Format | CNS Course Contents | CNS Course Outline | CNS exam Syllabus | CNS exam Objectives
Exam Details for CNS (Clinical Nurse Specialist):
Number of Questions: The number of questions on the CNS exam varies depending on the specific certification and the organization administering the exam. The exact number of questions can range from around 100 to 200.
Time Limit: The time limit for the CNS exam also varies based on the organization and the specific certification. Typically, candidates are given a designated amount of time, such as 3 to 4 hours, to complete the exam.
Course Outline:
The course outline for a Clinical Nurse Specialist (CNS) certification may vary depending on the specialty area or organization offering the certification. However, the general focus of CNS certification revolves around advanced nursing practice in a specific clinical specialty. The course outline may include the following key areas:
1. Advanced Clinical Practice:
- Advanced exam and diagnostic skills
- Evidence-based practice and research utilization
- Advanced pharmacology and therapeutics
- Complex care management and coordination
2. Specialty Knowledge and Skills:
- In-depth knowledge of the specific clinical specialty (e.g., adult health, pediatrics, psychiatric-mental health, geriatrics)
- Specialty-specific exam, diagnosis, and treatment protocols
- Clinical procedures and interventions relevant to the specialty
- Collaborative care and interdisciplinary teamwork
3. Leadership and Advocacy:
- Role of the CNS as a leader and change agent
- Quality improvement and patient safety initiatives
- Policy and advocacy in healthcare
- Ethical considerations in advanced nursing practice
4. Education and Consultation:
- Teaching and mentoring strategies for patients, families, and healthcare professionals
- Patient and family education
- Consultation and collaboration with other healthcare providers
- Program development and evaluation
Exam Objectives:
The CNS exam aims to assess the following objectives:
1. Evaluate the candidate's knowledge and understanding of advanced clinical practice in the specific clinical specialty.
2. Assess the candidate's ability to apply evidence-based practice and research in clinical decision-making and care delivery.
3. Determine the candidate's proficiency in specialty-specific exam, diagnosis, treatment, and management.
4. Evaluate the candidate's leadership skills and ability to advocate for patients and the nursing profession.
5. Assess the candidate's ability to provide education, consultation, and mentorship to patients, families, and healthcare professionals.
Exam Syllabus:
The specific exam syllabus for the CNS certification will depend on the organization offering the certification and the chosen clinical specialty. The syllabus typically covers the following areas:
1. Advanced Clinical Practice
- Advanced exam and diagnostic skills
- Evidence-based practice and research utilization
- Pharmacology and therapeutics
- Complex care management
2. Specialty Knowledge and Skills
- Specialty-specific knowledge and protocols
- Clinical procedures and interventions
- Collaboration and interdisciplinary teamwork
3. Leadership and Advocacy
- Role of the CNS as a leader and change agent
- Quality improvement and patient safety
- Policy and advocacy in healthcare
- Ethical considerations
4. Education and Consultation
- Teaching and mentoring strategies
- Patient and family education
- Consultation and collaboration
- Program development and evaluation
Candidates preparing for the CNS certification exam should review the course materials, guidelines, and resources provided by the certifying organization. It is essential to study the relevant clinical specialty, including the latest research, guidelines, and best practices, to ensure readiness for the exam.
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Anyone who receives a positive result is eligible for a phone consultation with a STDCheck doctor. The doctor may prescribe treatments at their discretion. Pros & cons*Price is accurate as of the date of publication. MNT's reviewPriority STD offers three lab-based herpes detection tests: A standard herpes test, costing $99, and a herpes early detection test, costing $189. The latter can detect the presence of the herpes simplex virus as early as 10 days after exposure. This may be suitable for people who would prefer to quickly seek diagnosis and treatment for herpes. To order either herpes test, a person must access the company website and enter their ZIP code to find their nearest testing center. The company claims it has over 4,000 private test centers across the United States. After ordering the herpes test, a person can walk into their local center to receive the testing. An appointment is not necessary. 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These samples may include urine, mouth or genital swab, or a blood sample. While at-home tests may be more convenient for those uncomfortable discussing their sexual history with others, or those who cannot easily access healthcare, there are some risks. If a person does not collect the trial correctly, they may receive an inconclusive or incorrect test result. Some at-home tests involve ordering a test online and visiting a lab so that a technician can collect the sample. This may be a good middle ground between true at-home tests and tests from a clinic for those who prefer not to discuss their sexual health with their doctor. Samples taken by lab technicians and healthcare professionals are more likely to be valid. These professionals have had training and are more likely to take the trial correctly. Another difference between at-home and in-person tests is that companies offering at-home testing may not offer follow-up advice. On the other hand, healthcare professionals from a clinic can provide people with resources, treatment, and prevention tips. Herpes is an infection with the herpes simplex virus (HSV). The virus spreads through contact with moist areas of the skin, such as the mouth and genitals. Tests can make people aware that they have the virus, encouraging them to take steps to reduce the likelihood of passing it to others. The World Health Organization (WHO) categorizes HSV into two types: HSV-1 and HSV-2. HSV-1 causes oral herpes, which may develop after exposure to the virus in saliva or on skin surfaces. Many people do not experience symptoms; some develop the virus from nonsexual contact during childhood. Sometimes, HSV-1 can also cause genital herpes through oral sex. Learn more about what herpes looks like. HSV-2 causes genital herpes, a sexually transmitted infection (STI) that affects more than 1 in 6 people ages 14–49 years in the United States. Some at-home tests may check for just one type of HSV, whereas others may test for both types. The CDC states that more than 1 in 6 people in the U.S. ages 14–49 years have genital herpes. Herpes spreads through oral, anal, and vaginal sex. People can reduce the risk of transmitting herpes to another person by using condoms or dental dams during sex and avoiding having sex when they are experiencing an outbreak of herpes. The CDC recommends herpes testing only for people who experience symptoms. Herpes can produce blisters on and around the genitals, mouth, or rectum. One reason for this is that false-positive results are possible. Learn more about how long it takes for herpes symptoms to show. People who have active herpes lesions can undergo a swab test. However, if the lesion is small or has started healing, there might not be enough virus for the test to detect. Due to this, there is also a risk of a false-negative result. Healthcare professionals may be able to diagnose a person with herpes if they present with blisters and sores. Doctors may also swab sores or blisters that have not yet healed and send the samples to a lab for tests. Anyone who thinks they might have had exposure to HSV and wants to take a test for reassurance despite a lack of symptoms will need to test for antibodies in the blood instead. According to the American Sexual Health Association, people should wait 12–16 weeks from the time of sexual contact before taking a test. The test checks whether or not the body has developed antibodies for HSV-1 or HSV-2, which may take some time to become detectable after exposure. People who are sexually active or share needles with others may require regular testing. Individuals with partners with herpes and who do not use barrier methods such as condoms each time they engage in sexual activity should also test for herpes regularly. Some people may prefer to order their at-home tests from online providers since this does not require them to leave their homes. A 2020 study notes that at-home kits may also benefit those who may not access routine healthcare. There are two types of home tests: self-collection and laboratory-based. Self-collection testsAfter purchasing a test collection kit from an online provider, individuals receive all the tools they need to perform the test at home. They collect a trial by following the instructions in the kit and then return it to the company or its laboratory for analysis. Laboratory-based testsAfter purchasing the test from an online provider, the person receives a laboratory requisition form, which they present at a testing site. A healthcare professional takes the required sample, and the individual receives their result within a few days. HSV-1 or HSV-2 test results may be negative or positive. These results depend on the type of test people take. False results can occur with many diagnostic herpes tests. Herpes tests are not as exact as tests for other STIs, such as chlamydia and gonorrhea. A research review on the diagnosis of HSV-1 and HSV-2 concludes that using blood tests to diagnose genital herpes may be inappropriate because positive results may be due to chronic infection, whereas negative results may overlook exact infection. According to the American Sexual Health Association, other viruses carried by the person in their blood may cross-react with the herpes virus, causing a false positive herpes result. These viruses include the varicella-zoster virus (VZV) which causes chickenpox or cytomegalovirus (CMV). Other factors which may determine the correct outcome of a herpes test result include trial preparation and the stage of infection of the sample. Four types of tests can confirm the presence of the HSV-1 or HSV-2 infection. These are: Polymerase chain reaction (PCR)This is also known as a viral DNA test or HSV DNA test. The healthcare practitioner examines the sore trial to look for the DNA of HSV-1 and HSV-2 to determine which virus is causing the person’s infection. These tests are 99% accurate and are regarded as the gold standard of testing by healthcare practitioners in advanced HIV infections. Viral cultureA healthcare practitioner collects a trial from the person’s skin sore and sends it to a laboratory to see if the virus grows. This type of test is useful early in an outbreak when the sore is open. A positive result indicates that the person has an HSV infection. This may be an initial outbreak or a recurring one. A negative result indicates that the test trial did not contain HSV. A negative result does not always mean that the person is free from the herpes virus. For example, a false negative may occur if the lesion is small or has started to heal. Tzanck smearA healthcare practitioner scrapes cells from the person’s sore to look for characteristics of herpes infection. A clinician examines the cells at the doctor’s office. There is no need to send the trial to a laboratory. A positive result indicates the person has an infection. A negative result indicates that they do not have a herpes infection. Antibody testsHerpes simplex antibody tests determine the presence of the HSV-1 or HSV-2 virus. A clinician detects these antibodies in the person’s blood or sore sample. A positive result means that the person has HSV antibodies or had an outbreak or past infection. A negative result indicates that the person does not have the virus. Before ordering a trial collection kit, people should consider the advantages and disadvantages of using at-home herpes tests. These include: Anyone who has sexual contact with someone who has received a herpes diagnosis should contact a doctor as soon as possible. People who have received a positive test result may also wish to consider seeking medical advice. Currently, herpes is not curable, but doctors can prescribe medications to reduce the frequency and severity of the symptoms. This may help lower the chance of the infection spreading to other individuals. Below are some common questions about at-home herpes tests. Can you test for herpes at home?Yes, it is possible to test for herpes at home. LetsGetChecked, STDCheck, and MyLAB Box all sell at-home herpes tests online. While at-home herpes tests are easy to complete and convenient to use, there is a risk of user error if a person is not used to taking herpes tests themselves. Is herpes hard or soft bumps?Herpes tends to cause soft blisters that are filled with fluid. What are the first signs of herpes in a woman?Initial genital herpes symptoms in females include flu-like symptoms, swollen glands, painful genitals, and unusual discharge. Early oral herpes symptoms may include flu-like symptoms, headaches, and sore lesions in and around the mouth. Learn more about herpes in females. What can mimic herpes?Many people who have herpes do not have any symptoms at all. Additionally, if a person has herpes symptoms they can still be mistaken for something else. For example, herpes sores may look like pimples or ingrown hairs. Since herpes sores can look like blisters, they can also be mistaken for skin condition symptoms, such as dermatitis. Learn more about what herpes sores look like. When and how should a person test for herpes?The CDC recommends that only people who have symptoms of herpes undergo testing. Possible symptoms include blisters around the anus, genitals, or mouth that burst and leave painful sores. The CDC also recommends testing if a person experiences what could be a herpes outbreak. A person can ask for a herpes test at any sexual health clinic or a doctor’s office. A healthcare professional will either swab a blister or draw a blood sample. A person can opt for at-home herpes tests, which typically require a blood trial through a finger prick. Once a person receives their test results, they should contact a doctor to discuss treatment options, if necessary. Learn more about medications for herpes. At-home herpes tests may be the preferred option for people who feel uncomfortable discussing their sexual health with a doctor and those who are unable to visit a healthcare facility. Many companies sell at-home tests. Before purchasing a test, an individual may wish to compare the costs, how long it takes the companies to issue the results, and their instructions for collecting the sample. Some people may have difficulty collecting their samples at home and interpreting the test results. Some companies may only offer consultations to individuals who receive a positive test. There are different types of herpes tests a person may wish to take. People should take into consideration that any test has room for error, and those who receive a positive herpes test result should contact a doctor to discuss treatment options or a follow-up test. PCC adds short-term medical coding program in time for fall semesterNo result found, try new keyword!WINTERVILLE—For the first time, Pitt Community College will offer short-term, non-credit instruction to prepare individuals for work as credentialed medical coders in various health care settings, ... |
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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