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 CRNE : Canadian Registered Nurse test Exam Dumps

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Exam Number : CRNE
Exam Name : Canadian Registered Nurse Exam
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CRNE test Format | CRNE Course Contents | CRNE Course Outline | CRNE test Syllabus | CRNE test Objectives

Exam Details:
- Number of Questions: The Canadian Registered Nurse test (CRNE) consists of approximately 200 multiple-choice questions. The exact number may vary slightly depending on the specific version of the exam.

- Time: Candidates are typically given 4 hours to complete the CRNE. This time includes memorizing instructions, reviewing questions, and selecting answers. It is important to manage time effectively to ensure all questions are answered within the allocated time.

Course Outline:
The CRNE assesses the knowledge, skills, and competencies required to practice as a registered nurse in Canada. While the specific course outline may vary, the test covers the following key areas:

1. Professional Practice:
- Ethical and legal responsibilities of registered nurses
- Professional standards and guidelines
- Collaborative practice and interprofessional relationships

2. Foundations of Practice:
- Nursing theories and models
- Nursing research and evidence-based practice
- Health promotion and disease prevention

3. Health Assessment and Communication:
- Health test techniques
- Communication and therapeutic relationships
- Documentation and reporting

4. Nursing Care Delivery:
- Nursing process and care planning
- Safety and risk management
- Quality improvement and patient safety

5. Health and Wellness:
- Physiology and pathophysiology
- Pharmacology and medication administration
- Health education and promotion

6. Family and Community Health:
- Family-centered care
- Community health nursing
- Population health and epidemiology

7. Professional Growth and Development:
- Continuing education and lifelong learning
- Leadership and management principles
- Professional organizations and resources

Exam Objectives:
The objectives of the CRNE are to:
- Assess the candidate's knowledge and understanding of nursing theory, practice, and principles.
- Evaluate the candidate's ability to apply critical thinking and problem-solving skills in various nursing scenarios.
- Determine the candidate's competence in providing safe, ethical, and evidence-based nursing care.
- Certify that the candidate has the necessary knowledge and skills to practice as a registered nurse in Canada.

Exam Syllabus:
The CRNE syllabus covers the following topics:

1. Professional and Ethical Practice:
- Professional responsibilities and accountability
- Legal and ethical principles in nursing practice
- Nursing standards and regulations

2. Foundations of Nursing Practice:
- Theoretical foundations of nursing
- Nursing research and evidence-based practice
- Health promotion and disease prevention

3. Health Assessment and Communication:
- Health test techniques and skills
- Communication and therapeutic relationships
- Documentation and reporting

4. Nursing Care Delivery:
- Nursing process and care planning
- Safety and risk management
- Quality improvement and patient safety

5. Health and Wellness:
- Anatomy and physiology
- Pathophysiology of common health conditions
- Pharmacology and medication administration

6. Family and Community Health:
- Family-centered care and family dynamics
- Community health nursing principles
- Health promotion and disease prevention in communities

7. Professional Growth and Development:
- Lifelong learning and professional development
- Leadership and management principles
- Professional organizations and resources

It is important to note that the specific courses and depth of coverage may vary based on the jurisdiction and regulatory body responsible for the CRNE. Candidates should refer to the official guidelines and materials provided by the regulatory body for the most accurate and up-to-date information.

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Medical Canadian test


Man Pays N8m for Fake Canadian Employment Letter, His Document Leaks, Stopped From Entering Country

  • A man who fell for a fake Canadian employment letter and paid N8m for it was reportedly punished by immigration
  • According to a lady on TikTok who shared the letter, the document was filled with many errors as she wondered why they were dishonest travelling agents
  • Canadian immigration website stated that a person who presents false information could be deemed "inadmissible" into the country
  • A travel expert who always talks about people's different troubles with visas and relocating abroad has shared a fake document.

    In her video caption, the expert called Grandma Shasha revealed that a person paid N8m for a fake Canadian employment letter, only to later get banned from coming into the country.

    Employment letter for Canada/Man stopped from travelling. "For illustration purposes only. Depicted person has no relationship to event described in this material. Photo source: Kobus Louw, WavebreakmediaSource: Getty Images Man got fake employment offer in Canada

    Reading a part of the letter, she complained about agents trying to defraud people. The document stated that the person's starting salary would be $4450 (N3,422,940).

    PAY ATTENTION: Share your outstanding story with their editors! Please reach us through info@corp.legit.ng!

    According to her, the person has been stopped from coming to Canada for a decade because of the fake document.

    Watch the video below:

    According to Canada.ca, a person who is banned from coming to the country is considered "inadmissible" and they are many reasons for it. They partly said:

    "A Canadian immigration officer will decide if you can enter Canada when you apply for a visa or an Electronic Travel Authorization (eTA), or when you arrive at a port of entry."

    Some of the reasons for stopping one from coming to Canada could be:

    "Financial reasons – if you’re unable or unwilling to support yourself and your family members

    "Misrepresentation, which includes providing false information or withholding information directly related to decisions made under the Immigration and Refugee Protection Act (IRPA).. If you’re found inadmissible, you’ll be denied a visa or an Electronic Travel Authorization (eTA), refused entry to, or removed from Canada."

    Lady failed medical test

    He is not the only Nigerian facing travelling issues, a lady relocated to Canada, but she was facing possible deportation after failing a medical test.

    The lady who also got a job in Canada sent a text message asking for prayers. She disclosed that she was at the point of deportation because she failed the psych test.

    Man paying N1.8m for rent

    In other news, a young Nigerian man staying in the UK spoke about how much he pays monthly for his small space.

    Speaking to a brilliant Nigerian videographer/storyteller, Tayo Aina, the man revealed his monthly rent to be £1,850 (N1,805,122.14).

    Source: Legit.ng

    The Canadian flag felt heavy as I carried a fellow soldier's coffin. I still feel it 17 years later

    This is a First Person column by Matthew Heneghan, who lives in Falkland, B.C. For more information about CBC's First Person stories, please see the FAQ.

    The military uniform is as uncomfortable as it is inspiring. It is far more than just threading, stitches, buttons and badges that gleam — it is earned over a crucible of trial and test. Sink or swim moments woven together over the span of weeks, months and, in some cases, years. It boasts with a unique humility the soldier's name, rank and all of the things they've accomplished. Deeds and qualifications rest with perfection on the chest and sleeves of the wearer, telling a story

    One such profound moment of my life in service occurred on a hot August day some 17 years ago. I was assigned with the sobering task of transporting the remains of a fallen comrade. On Aug. 11, 2006, Cpl. Andrew James Eykelenboom was killed by a suicide bomber after volunteering for one last mission. He was a medic of 1 Field Ambulance — the same unit I was in — and was due to return home in two weeks. But that was a return he would never live to see. He was just 23.

    I was also 23 at the time. I felt like I could barely be described as a man — more like a boy with a few pennies of experience. Yet this man, this soldier, Cpl. Eykelenboom, wilfully raised his hand to once more stand in the face of danger. The maturity and selflessness of that act is something I still find myself deliberating on all these years later. I'd come to learn that he was as dedicated a soldier as he was a skilled healer. I admired him, never having the chance to tell him so.

    There were eight of us who had been selected for the sombre mission of transporting the remains of Cpl. Eykelenboom to what would become his final resting place in Comox, B.C. Apart from field exercises and my medical training, this would be my first real tasking as a soldier in the Armed Forces. This was not my first experience with death, but it was my first time carrying a fallen brother. 

    WATCH | The repatriation ceremony of Cpl. Andrew Eykelenboom at CFB Trenton in August 2006 Cpl. Andrew Eykelenboom’s casket arrives in a military plane at CFB Trenton 19 days ago

    Duration 1:36

    Matthew Heneghan, second from the left, was one of eight soldiers who were pallbearers for his repatriation ceremony.

    We had already taken part in a repatriation ceremony for their fallen medic a few days prior at CFB Trenton in Ontario. They carried the flag-draped casket from a military transport plane upon its return from Afghanistan. Later in Edmonton, and boarding another plane to B.C., I was seated next to a woman — a civilian. I chose to ignore her glances at my uniform and focused on an arbitrary patch of wall in front of me. 

    "Excuse me," she said.

    "Yes, ma'am."

    "I couldn't help but notice — I'm sorry — but there are a number of you military types on the plane today… are you off to somewhere special?" Her query was followed by a kind and sincere smile. I wasn't sure how to respond at first. Special to whom? I suppose a final resting place could be counted among places that hold a moniker of "special," but I felt that this was not likely what she had meant.

    I informed her of what they were doing. Her kind features faltered and gave way to a noticeable sadness. For the first time all day, I related to a civilian.

    When the plane landed and came to a standstill, the captain's voice crackled in through the speakers.

    "Ladies and gentlemen, we'd like to thank you for flying with us today — at this time we'd like to ask that you remain seated. There are several members of their Canadian Armed Forces travelling with us today. They are escorting the remains of a fallen soldier, Cpl. Andrew James Eykelenboom, back to his hometown of Comox. They ask that you allow for these men and women to dismount the plane before leaving today as they will be taken to the runway below and retrieve the casket of one of their own." 

    At the culmination of this announcement, I heard an audible volley of begrudging sighs from several of the passengers. My eyes shot daggers into each one of them. They disembarked from the plane and readied ourselves in position below the cargo hold. They retrieved the flag-draped casket and carried it to an awaiting hearse. It is a weight not easily described. Until that moment, I never understood that a flag could weigh so much. I have since never been able to look at their country's red and white flag the same. There is always a melancholy when I do.

    Eykelenboom, known as Boomer, was the first Canadian medic to be killed in action since the Korean War. (Department of National Defence/The Canadian Press)

    Eykelenboom was buried a few days later on another sunny August day in 2006. Not a day goes by when I do not think of that time. The folding of the flag, the ceremonious firing of rifles, the metal clang of a nearby flagpole, the sound of a subtle wind playing on the grass and trees, and perhaps most notably of all, the bereavement of those who knew and loved him. Their anguish spilled from behind my shoulder as I stood at attention.

    Along the road of life, they are granted defining moments that shape us. For some, it's weddings, the birth of a child, the loss of a loved one. These moments transcend time and space and linger with a potency that many can relate to. For me, this was one of them. 

    I remember that soldier. 

    I remember the weight of that flag.

    I remember it every time Afghanistan is in the news. 

    On the anniversary of the fall of Kabul every August.

    I always will.

    Rest in eternal peace, Cpl. Andrew James Eykelenboom.

    Do you have a compelling personal story that can bring understanding or help others? They want to hear from you. Here's more info on how to pitch to us.

    Inside the fight to reform Indigenous health education in Canadian medical and nursing schools

    No result found, try new keyword!It’s been eight years since the Truth and Reconciliation Commission called on Canadian medical and nursing schools to help advance reconciliation — here’s how far they’ve come.

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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