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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Dietitian test Format | Dietitian Course Contents | Dietitian Course Outline | Dietitian test Syllabus | Dietitian test Objectives

Exam: Dietitian Certification Exam

Exam Details:
- Number of Questions: The exact number of questions may vary, but the test typically consists of multiple-choice questions and/or scenario-based questions.
- Time: Candidates are usually given a specific time duration to complete the exam.

Course Outline:
The Dietitian Certification course is designed to validate candidates' knowledge and skills in the field of nutrition and dietetics. The course outline includes the following topics:

1. Introduction to Nutrition and Dietetics
- Basic principles of nutrition
- Nutritional requirements for different age groups and populations
- Nutrition test methods

2. Macronutrients and Micronutrients
- Carbohydrates, proteins, and fats: functions, food sources, and recommendations
- Vitamins and minerals: roles, sources, and requirements
- Water and electrolytes: importance and balance

3. Nutrition and Health
- Relationship between nutrition and chronic diseases (e.g., obesity, diabetes, heart disease)
- Dietary guidelines and recommendations
- Nutritional support in medical conditions

4. Nutrition Counseling and Education
- Communication and counseling techniques
- Behavior change theories and strategies
- Designing personalized nutrition plans

5. Food Science and Food Service Management
- Food preparation and cooking methods
- Food safety and sanitation
- Menu planning and recipe modification

6. Clinical Nutrition and Medical Nutrition Therapy
- Nutrition test and intervention in clinical settings
- Nutritional support in critical care and chronic diseases
- Specialized diets (e.g., renal, diabetic, pediatric)

Exam Objectives:
The Dietitian Certification test aims to assess candidates' comprehensive understanding of nutrition principles, their ability to apply nutritional knowledge in various settings, and their competence in providing dietary counseling and education. The test objectives include:

1. Demonstrating knowledge of macronutrients, micronutrients, and their role in maintaining health and preventing diseases.
2. Applying nutrition test techniques to evaluate individuals' nutritional status and dietary needs.
3. Designing appropriate nutrition plans and interventions for individuals with specific health conditions or goals.
4. Practicing effective communication and counseling skills to support behavior change and promote healthy eating habits.
5. Applying food science principles to ensure safe and nutritious food preparation and service.
6. Understanding the role of nutrition in the prevention and management of chronic diseases.

Exam Syllabus:
The test syllabus covers the following topics:

- Introduction to Nutrition and Dietetics
- Macronutrients and Micronutrients
- Nutrition and Health
- Nutrition Counseling and Education
- Food Science and Food Service Management
- Clinical Nutrition and Medical Nutrition Therapy

Candidates are expected to have a deep understanding of these subjects and their application in real-world nutrition and dietetics practice. The test assesses their knowledge, critical thinking skills, and ability to apply evidence-based nutrition principles in various scenarios.

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NIH awards $3 million grant to study synbiotic medical food for bone health in older women

The NIH/National Institute on Aging has awarded a R01 $3 million grant to study the impact of a probiotic/prebiotic (synbiotic) medical food developed by Solarea Bio on maintaining bone health of older women.

The study will support an 18-month clinical trial of a synbiotic medical food in 220 older women to test whether it maintains lumbar spine bone mineral density (BMD) with aging.

Grant recipients are Hebrew SeniorLife, USDA HNRCA at Tufts University, Maine Medical Center Research Institute, and Solarea Bio.

"There is an unmet need for safe and effective dietary interventions for the metabolic processes underlying bone loss," said Dr. Shivani Sahni, PhD, who is an associate professor of medicine at Harvard Medical School, associate scientist at the Hinda and Arthur Marcus Institute for Aging Research at Hebrew SeniorLife, and director of the Nutrition Program at the Marcus Institute. "Current recommended strategies for maintenance of healthy bone mass are limited to consuming a diet rich in vitamins and minerals and performing weight bearing activity."

Osteoporotic fractures can have devastating health and economic consequences. Thirty percent of women will not survive the first year following a hip fracture, and in the United States 1.5 million fractures costs the healthcare system $17 billion annually. As their population ages and life expectancy increases, the burden of osteoporotic fractures will continue to rise without specific, safe, and effective ways to maintain bone mass with age."

Dr. Clifford J. Rosen, MD, Maine Medical Center Research Institute

"The proposed study is significant because it will test the efficacy of the synbiotic medical food, SBD111, to maintain bone density with age," said Dr. Eric Schott, co-founder and COO, Solarea Bio. "It also will provide the mechanistic insights leading to strategies for the dietary management of the metabolic processes underlying osteopenia and osteoporosis."

"Osteoporotic fractures result in more hospitalizations than heart attacks, strokes, and breast cancer combined and cause severe pain, long-term disability, and early death," said Douglas P. Kiel, MD., MPH, director of the Musculoskeletal Research Center at Hebrew SeniorLife's Hinda and Arthur Marcus Institute for Aging Research and professor of medicine at Harvard Medical School. "The projected increase in age-related osteoporotic fractures is estimated to be more than 48% between 2005 to 2025 with direct costs exceeding $25 billion in 2025."

Hebrew SeniorLife Hinda and Arthur Marcus Institute for Aging Research investigators are Dr. Shivani Sahni, PhD (PI), Dr. Douglas P. Kiel, MD MPH (Co-I), and Dr. Thomas G. Travison (Co-I). Solarea Bio collaborators are Dr. Eric Schott, PhD (PI), and Dr. Gerardo V. Toledo, PhD (Co-I). USDA HNRCA at Tufts University collaborator is Dr. Paul F. Jacques, DSc (PI). Maine Medical Center Research Institute (MMCRI) collaborator is Dr. Clifford J. Rosen, MD (PI).

New York State civil service: These applications are open in August

No result found, try new keyword!STATEN ISLAND, N.Y. — The New York State Department of Civil Service (DCS) has released its August application schedule for New York’s entry-level civil service exams.

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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