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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Nursing CRNA : Certified Registered Nurse Anaesthetist ACTUAL EXAM QUESTIONS

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Exam Number : CRNA
Exam Name : Certified Registered Nurse Anaesthetist
Vendor Name : Nursing
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CRNA test Format | CRNA Course Contents | CRNA Course Outline | CRNA test Syllabus | CRNA test Objectives

The Certified Registered Nurse Anesthetist (CRNA) test is a comprehensive test that evaluates the knowledge, skills, and competencies of registered nurses seeking certification in anesthesia practice. Please note that the following test format is a general representation, and specific details may vary depending on the certifying body and jurisdiction. It's crucial to consult the official resources and guidelines provided by the certifying organization to obtain the most accurate and up-to-date information.

Exam Format: CRNA Certification Exam
Multiple-Choice Questions (MCQs): This section consists of a series of multiple-choice questions.
Questions may be presented as standalone items or as a case scenario followed by related questions.
Candidates are required to select the best response from the available choices.
The questions cover a broad range of Topics related to anesthesia practice, including anatomy, physiology, pharmacology, anesthesia techniques, patient monitoring, and perioperative care.

Clinical Decision-Making:
This section assesses the candidate's ability to apply critical thinking and clinical judgment skills in anesthesia practice.
Candidates are presented with complex clinical scenarios or case studies.
For each scenario, candidates must analyze the information provided, make appropriate clinical decisions, and select the best course of action.
The questions in this section may involve prioritizing interventions, identifying potential complications, and managing anesthesia-related emergencies.

Assessments through killexams test simulator:
This section utilizes simulation technology to evaluate the candidate's knowledge about topics.
Candidates may be presented with computer-based simulations, virtual reality scenarios, or high-fidelity mannequin-based simulations.
The simulations aim to replicate real-life clinical situations, such as induction and maintenance of anesthesia, airway management, and response to adverse events.
Candidates must demonstrate their ability to perform critical tasks, make appropriate clinical decisions, and manage anesthesia-related challenges effectively.

Oral test (Viva Voce):
The oral examination is typically conducted in a one-on-one or small group format.
Candidates engage in face-to-face discussions with examiners, who assess their knowledge, clinical reasoning abilities, and communication skills.
The examiners may present case scenarios, ask questions related to anesthesia practice, or discuss specific Topics in-depth. Candidates are expected to demonstrate a comprehensive understanding of anesthesia principles, evidence-based practice, and ethical considerations.

The CRNA certification test assesses the knowledge, skills, and competencies required for safe and effective anesthesia practice. The following course outline provides an overview of the Topics covered in the exam:

Basic Sciences:
Anatomy and physiology of the respiratory, cardiovascular, nervous, and renal systems.
Biochemistry and pharmacology relevant to anesthesia practice.
Principles of physics and chemistry related to anesthesia equipment and monitoring.

Pharmacology and Anesthesia Agents:
- Pharmacokinetics and pharmacodynamics of anesthetic agents.
- Intravenous and inhalation anesthetics.
- Local anesthetics and regional anesthesia techniques.
- Neuromuscular blockers and reversal agents.
- Analgesics and adjunct medications used in anesthesia.

Anesthesia Techniques and Procedures:
- Induction, maintenance, and emergence from general anesthesia.
- Airway management techniques, including intubation and extubation.
- Regional anesthesia techniques, such as spinal, epidural, and peripheral nerve blocks.
- Sedation techniques and monitored anesthesia care.
- Anesthesia for specific patient populations (e.g., pediatric, geriatric).

Patient Assessment and Monitoring:
- Preoperative test and optimization of patients.
- Hemodynamic monitoring and interpretation.
- Monitoring of oxygenation, ventilation, and end-tidal gas analysis.
- Electrocardiography and arrhythmia recognition.
- Interpretation of laboratory and diagnostic tests relevant to anesthesia practice.

Anesthesia Complications and Emergencies:
- Recognition and management of anesthesia-related complications.
- Anaphylaxis and other allergic reactions.
- Malignant hyperthermia and other pharmacogenetic considerations.
- Cardiac arrest, respiratory failure, and other perioperative emergencies.
- Crisis resource management and teamwork in critical situations.

Professional Practice and Ethics:
- Legal and ethical principles in anesthesia practice.
- Infection control and aseptic techniques.
- Patient safety and risk management.
- Evidence-based practice and research in anesthesia.
- Professional responsibilities and continuing education.

Exam Objectives:
The CRNA certification test aims to evaluate candidates' competency in the field of anesthesia practice. The specific test objectives may include:

Demonstrate comprehensive knowledge of anatomy, physiology, and pharmacology as they relate to anesthesia practice.
Apply critical thinking and clinical judgment skills to assess patients, develop an anesthetic plan, and make appropriate decisions during perioperative care.
Safely administer anesthetics, manage airways, and provide pain management techniques.
Monitor patients' vital signs, interpret data accurately, and respond appropriately to changes in patient condition.
Identify, prevent, and manage anesthesia-related complications and emergencies.
Exhibit proficiency in communication and collaboration with surgical teams, patients, and other healthcare professionals.
Adhere to professional and ethical standards in anesthesia practice, including patient safety, infection control, and legal considerations.
Stay updated with current evidence-based practice guidelines, research, and advancements in the field of anesthesia.

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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