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 : HIO-201
Exam Name : Certified HIPAA Professional
Vendor Name : HIPAA
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HIO-201 test Format | HIO-201 Course Contents | HIO-201 Course Outline | HIO-201 test Syllabus | HIO-201 test Objectives

Exam: HIO-201 (Certified HIPAA Professional)

Exam Details:
- Number of Questions: The test consists of multiple-choice questions.
- Time: Candidates are typically given a specified amount of time to complete the exam.

Course Outline:
The Certified HIPAA Professional (CHP) course is designed to provide candidates with a comprehensive understanding of the Health Insurance Portability and Accountability Act (HIPAA) regulations and their implications in healthcare organizations. The course outline includes the following topics:

1. Introduction to HIPAA
- Overview of HIPAA regulations
- HIPAA Privacy Rule and Security Rule
- HIPAA enforcement and penalties

2. HIPAA Privacy Rule
- Protected health information (PHI)
- Patient rights and consent
- Privacy practices and policies

3. HIPAA Security Rule
- Security safeguards and requirements
- Risk test and management
- Security policies and procedures

4. HIPAA Transactions and Code Sets
- Electronic data interchange (EDI)
- Standard transactions and code sets
- Compliance requirements

5. HIPAA Enforcement and Compliance
- HIPAA audit and compliance programs
- Breach notification and reporting
- Business associate agreements

Exam Objectives:
The HIO-201 test aims to assess candidates' knowledge and understanding of HIPAA regulations and their practical application in healthcare settings. The test objectives include:

1. Demonstrating knowledge of HIPAA regulations, including the Privacy Rule and Security Rule.
2. Understanding the requirements for safeguarding protected health information (PHI).
3. Applying security measures and risk management principles to ensure HIPAA compliance.
4. Understanding HIPAA transactions and code sets for electronic data interchange.
5. Familiarity with HIPAA enforcement and compliance programs, including breach notification and business associate agreements.

Exam Syllabus:
The test syllabus covers the following topics:

- Introduction to HIPAA
- HIPAA Privacy Rule
- HIPAA Security Rule
- HIPAA Transactions and Code Sets
- HIPAA Enforcement and Compliance

Candidates are expected to have a solid understanding of these courses and demonstrate their ability to apply HIPAA regulations in real-world scenarios. The test assesses their knowledge, comprehension, and proficiency in various aspects of HIPAA compliance.

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HIPAA Certified test Braindumps


Online Medical Assistant Certification Program

Obtaining a CPC, CCA, or CBCS certification implies that an individual has met competencies in the field of medical billing and coding. Certification is invaluable to the student's career goals. Students have an opportunity to make confident, informed decisions about the national certification they prefer.

The Certified Professional Coder (CPC) test is offered by the American Academy of Professional Coders (AAPC). It is the gold standard entry-level coding certification for physician, or professional fee, coders.

The Certified Coding Associate (CCA) is offered by the American Health Information Management Association (AHIMA). It is an entry-level medical coding certification across all settings--physician practices and inpatient hospital.

The Certified Billing and Coding Specialist (CBCS) is offered by the National Healthcareer Association (NHA) and is currently an entry-level medical billing certification for physician practices. In the summer of 2021, the test will transition to an entry-level billing and coding certification, with the inclusion of ICD-10-CM, CPT, and HCPCS Level II testing.

GoodTime Secures HIPAA Certification to Help Healthcare Hiring Teams Amid Rising Labor Shortage

As the U.S. grapples with an escalating shortage of health aides, nurses, and physicians, GoodTime secures HIPAA certification, enabling more health organizations to fill roles quickly with fewer resources

SAN FRANCISCO, Aug. 08, 2023 (GLOBE NEWSWIRE) -- GoodTime (goodtime.io), a leading provider of AI-powered scheduling software, proudly announces the achievement of HIPAA/HITECH Type 1 Compliance. With this certification, GoodTime empowers more healthcare organizations to fill roles faster in the face of a healthcare labor shortage by utilizing Hire, the company’s flagship interview scheduling platform.

Addressing the Healthcare Labor Shortage

Amidst a severe shortage of health aides, nurses, physicians, and other healthcare professionals, GoodTime's HIPAA certification brings a timely solution to hiring teams in the healthcare industry. Consulting firm Mercer projects a shortage of over 400,000 home health aides and 29,400 nurse practitioners by 2025. The Association of American Medical Colleges (AAMC) predicts a potential shortage of up to 122,000 physicians by 2032. This scarcity of healthcare professionals has intensified the competition for talent, making it crucial to fill open roles quickly to meet the needs of healthcare companies and the patients they serve.

Enhanced Possibilities with GoodTime’s HIPAA Certification

Healthcare organizations are already bound to strict HIPAA guidelines for any systems that directly handle sensitive patient information. As an extra measure of security for all protected health information (PHI), many of these organizations strive to only use HIPAA-compliant systems, even when those systems don’t directly interface with patients.

GoodTime's certification is a significant milestone that re-affirms the company's commitment to healthcare companies and sets them apart as the only interview scheduling provider that is HIPAA-compliant. By adhering to the highest industry standards for data security and privacy, GoodTime helps healthcare talent acquisition teams streamline and automate their hiring workflows, minimize resource requirements, and fill roles faster in the midst of the labor shortage.

Story continues

Ahryun Moon, GoodTime Co-Founder and CEO, expressed enthusiasm about the exact HIPAA certification, highlighting its importance for healthcare organizations. Moon stated, "We are thrilled to have obtained the HIPAA certification, as it strengthens their dedication to healthcare organizations during this challenging time. With secure, automated, and efficient scheduling, healthcare hiring teams can fill open positions swiftly, without all the manual work, and ultimately deliver exceptional care to patients."

Purpose-Built Features for High-Volume Healthcare Hiring

GoodTime Hire leverages AI to revolutionize the healthcare hiring process, particularly for high-volume roles in the context of the labor shortage. Healthcare organizations use Hire to significantly reduce time-to-fill and provide a standout candidate experience, even as talent acquisition teams have become leaner. Teams hiring for high-volume healthcare roles benefit from features like:

  • SMS/WhatsApp messaging: Reach candidates via texting and WhatsApp to increase response rates and schedule faster.

  • Workflow automation: Auto-trigger messages and reminders to candidates and hiring managers — and automate the entire interview process with an intuitive workflow editor.

  • Screening and knockout questions: Stay focused on what matters and identify the most qualified talent automatically with screening questionnaires and knock-out questions.

  • About GoodTime

    GoodTime helps people and companies drive better outcomes from their most important meetings by automating coordination, making sure the right people are in the room, and providing actionable meeting insights to hit goals faster.

    The company’s flagship product, GoodTime Hire, helps hiring teams go beyond candidate experience and make every interview count. Hire uses AI to automate interview coordination, build better relationships during interviews, and deliver insights to continuously optimize the hiring process. Over 300 companies around the world like Slack, Box, HubSpot, Spotify, Okta, and Pinterest are getting to “yes” up to 70% faster with Hire. Learn more at goodtime.io.

    CONTACT: Press contact: Jake Link Director of Brand and Content Marketing, GoodTime jake.link@goodtime.io

    Certification Exams FAQs

    Month-long testing windows offer candidates the ability to take the test on the day and time that is most convenient during a 30-day period.

    1. Where are the test sites located?

    Test Sites are located across the United States. At the time of scheduling the exam, candidates can select a site based on their zip code.

    2. What are the typical hours of operation for a test site?

    The normal hours of operation at Test Sites are 8 a.m. to 5 p.m., but times can vary. When registering, confirm the hours with the site you wish to select. 

    3. What do candidates need to bring to the test site?

    Candidates are required to bring one (1) form of valid (non-expired), government issued, photo ID to the test site. Additionally, candidates must bring a copy of their Confirmation Notice which is emailed to them at the time of registration.

    4. What is the test site change or cancellation policy?

    If you wish to reschedule or cancel a testing appointment within the same test window, you must contact Meazure Learning (formerly Scantron) at least 2 business days before the scheduled appointment. Canceling or rescheduling a testing appointment more than 2 business days in advance is subject to a $50 fee. Canceling or rescheduling less than 2 business days in advance of an appointment is not permitted. 

    5. In addition to the $50 test site fee, what are the ABA fees that will apply if candidates wish to move to another test window?

    Please review the procedures and fee schedule on the Certification test Change Policy page. All change and cancellation requests must be made by submitting the test Window Change/Cancellation Form.

    ABA will consider waiving fees in case of a medical emergency. Requests will be reviewed on a case-by-case basis.

    6. Can I take the certification test on my computer at home or at work? Yes. ABA offers candidates the option of testing at home or another location via live remote proctoring (LRP). Candidates can select the LRP option at the time of scheduling their test date, usually 30 days before the start of the test window. Visit the Test Taker Resource Center for more detailed information. You can also review What to Expect for a demonstration of the test process. 7. How much time do I get to complete the exam?

    Based on the certification, the test time is either 3 hours or 4 hours:

    3-Hour test (150 questions) - CAFP, CFMP, CISP4-Hour test (200 questions) - CERP, CRCM, CTFA

    8. During the exam, can I skip questions and return to them later?

    Yes. Questions can be marked and returned to at a later point in the exam, if time permits. Be sure to answer all questions, as only answered questions are scored. To help you navigate the test, please click on one of the links below to preview the test system prior to your test date:

    Sample Test

    9. Can I review or change my answers?

    Yes. Questions can be marked for review and answers changed, if time permits.

    10. Are individuals with disabilities accommodated?

    Yes. All testing centers are fully accessible and compliant with the Americans with Disabilities Act (ADA). In addition, accommodations can be made for LRP test candidates. You must submit your request for reasonable accommodations, along with supporting documentation with your test application.

    11. How are exams scored?

    The test is scored on a "Pass/Fail" system using a predetermined cut off score based on advisory board analysis of the degree of difficulty for each question. Exams are scored based on your personal performance and are not graded on a curve.

    All ABA Professional Certification exams use scaled scoring. Scaled scores are recommended by the Standards for Educational and Psychological Testing. Many testing programs, including the ACT® and SAT®, use scaled scores.

    Exam scores are based on the total number of items answered correctly. The total number of items correct is then converted to a scaled score for reporting purposes. Scaled scores are a mathematical conversion of the number of items that a candidate correctly answers so that there is a consistent scale used across all versions of a test.

    All ABA Professional Certification exams are scored on a scale ranging from 200 to 800, with the passing score set at 500.

    Each test contains a small number of randomly embedded questions that are included for statistical research purposes. These questions do not count against candidate scores. This form of piloting questions before they are scored is part of ABA's efforts in continuous quality improvement.

    Score results are confidential. You must sign an test Score Release Form if you want to authorize a third party to receive your score results.

    12. How long will it take to receive test results?

    An instant pass/fail outcome is provided for most computer-based exams at the testing sites. Official score results are delivered via email within 6 weeks after the close of the test window.

    On occasion, ABA holds scores to conduct statistical analysis. This means that for some exams, instant outcomes will NOT be provided at the test sites and all outcomes and score results will be emailed within 6 weeks after the close of the test window.

    13. What is the test fee? 

    All test fees are listed on each certification's webpage.

    14. How and when do I select my test date, time, and location?
  • When purchasing the test and completing the online application process, you will select your 30 day testing window during which you wish to take the exam.
  • Once your test application is approved by ABA Professional Certifications, you will receive registration information via email from Meazure Learning (formerly Scantron) approximately 30 days prior to the start of the test window.
  • Please add [email protected] to your safe sender list to ensure you receive the email.
  • The email will contain your unique log-in ID and password that you will use to register at your preferred test site on the day and time of your choosing. You will also have the option to schedule the date and time for an LRP test at this time.
  • Please contact ABA if you do not receive an email from Meazure Learning (formerly Scantron)  at least 15 days before the start of your test window.
  • 15. What is your test retake policy?
  • You must wait a minimum of 90 days before you are allowed to retake an test on the next scheduled test date.
  • There is no limit to the number of times you can take the exam.
  • You must pass the test within a 3 year period from the date of your first test attempt or a new application and full fee is required.
  • For more information, please refer to the test Application page for the certification that you are seeking.


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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