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-301
Exam Name : Certified HIPAA Security
Vendor Name : HIPAA
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HIO-301 exam Format | HIO-301 Course Contents | HIO-301 Course Outline | HIO-301 exam Syllabus | HIO-301 exam Objectives

Exam: HIO-301 (Certified HIPAA Security)

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

Course Outline:
The Certified HIPAA Security (CHS) course is designed to provide candidates with in-depth knowledge and skills related to the security aspects of the Health Insurance Portability and Accountability Act (HIPAA) regulations. The course outline includes the following topics:

1. Introduction to HIPAA Security
- Overview of HIPAA Security Rule
- Security standards and requirements
- Roles and responsibilities

2. Administrative Safeguards
- Security management process
- Risk analysis and risk management
- Security policies and procedures

3. Physical Safeguards
- Facility access controls
- Workstation and device security
- Disposal of PHI

4. Technical Safeguards
- Access controls and user authentication
- Audit controls and monitoring
- Encryption and data protection

5. Incident Response and Disaster Recovery
- Incident response planning
- Business continuity and disaster recovery planning
- Security incident handling

Exam Objectives:
The HIO-301 exam aims to assess candidates' knowledge and skills in implementing and maintaining HIPAA security measures to protect electronic protected health information (ePHI). The exam objectives include:

1. Understanding the requirements and provisions of the HIPAA Security Rule.
2. Applying administrative safeguards to manage security risks and establish policies and procedures.
3. Implementing physical safeguards to protect facilities and devices that store or transmit ePHI.
4. Utilizing technical safeguards to control access, monitor systems, and protect ePHI.
5. Developing incident response and disaster recovery plans to address security incidents and ensure business continuity.

Exam Syllabus:
The exam syllabus covers the following topics:

- Introduction to HIPAA Security
- Administrative Safeguards
- Physical Safeguards
- Technical Safeguards
- Incident Response and Disaster Recovery

Candidates are expected to have a comprehensive understanding of these courses and demonstrate their ability to apply HIPAA security measures effectively. The exam assesses their knowledge, practical skills, and proficiency in implementing and maintaining HIPAA security compliance.

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HIPAA HIPAA Latest Questions


Compliance with HIPAA Privacy and Security Regulations

The Health Insurance Portability and Accountability Act of 1996 (HIPAA) rules create a framework to protect the medical privacy of patients and health plan members. In general, HIPAA privacy regulations allow covered health care providers and health plans to share information for the purposes of treatment, payment and health care operations. Additional information regarding uses or disclosures of health information is described in the “Notices of Privacy Practices.” Please access the “Notice of Privacy Practices” associated with a particular area at Purdue that you wish to review.


The HIPAA security regulations ensure that covered components safeguard protected health information stored electronically. Purdue has implemented policies and procedures in the covered components to address the requirements of this regulation.

Purdue University supports the goals of HIPAA and documents policies and procedures for securing protected health information in its “Compliance with HIPAA Privacy Regulations” policy.

To view the compliance policy, visit www.purdue.edu/policies/records/viiia1.html.

For answers to HIPAA-related questions, contact the HIPAA Privacy Compliance Office at 765-496-1927, hipaa-privacy@purdue.edu, or visit www.purdue.edu/legalcounsel/hipaa. Source: HIPAA Privacy Officer, 601 Stadium Mall Drive, Purdue University, West Lafayette, IN 47907-2052; e-mail hipaa-privacy@purdue.edu; 765-496-1927.

Connecticut Supreme Court Allows Plaintiffs to Circumvent HIPAA’s No Private Right of Action Clause

In an opinion released on November 11, the Connecticut Supreme Court ruled on whether the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and its implementing regulations preempt a common law claim for negligence arising from the disclosure of a patient’s medical records. Under HIPAA, no private cause of action is available to patients. However, the Connecticut court in Byrne v. Avery Center for Obstetrics & Gynecology, P.C., 2014 Conn. LEXIS 386 (Conn. Nov. 1, 2014), refused to dismiss a patient plaintiff’s negligence claims on the basis of preemption, thus allowing plaintiffs to circumvent the ban on private causes of action. In addition to permitting the claims to proceed, the court noted that a finder of fact may consider HIPAA to be the applicable standard of care governing the handling of medical records.

In the Byrne case, the plaintiff instructed the defendant medical practice not to release her medical records to a man with whom she previously had a personal relationship (Mendoza). When the defendant was served with a subpoena for the plaintiff’s medical records in the context of a paternity suit, the defendant failed to comply with the instruction and supplied the records to the probate court. The defendant did not notify the plaintiff of the subpoena and did not file a motion to quash the subpoena or appear in court. The plaintiff was first notified of the disclosure when Mendoza informed the plaintiff that he had reviewed her medical records. The plaintiff subsequently filed suit, claiming she was the victim of harassment and extortion threats. In her complaint, she alleged, among other things, that (a) the defendant acted negligently in failing to use proper and reasonable care in protecting her medical file, including disclosing it without authorization in violation of both Connecticut statutory law (General Statute § 52-146o) and the regulations implementing HIPAA, and (b) the defendant engaged in conduct constituting negligent infliction of emotional distress.

The trial court dismissed both negligence claims on the basis of HIPAA preemption. In doing so, the court rejected the plaintiff’s assertion that HIPAA was not the basis of her causes of action but rather was evidence of the appropriate standard of care for her claims brought under state law. The trial court found that the claims were essentially claims for HIPAA violations and were therefore preempted under HIPAA’s no private cause of action clause.

Following its review of the case, the Connecticut Supreme Court assumed, but did not rule, that state common law would recognize a negligent cause of action arising from a health care provider’s breach of patient privacy when complying with subpoenas for medical records. The court then stated, “we agree with the plaintiff and conclude that such an action is not preempted by HIPAA and, further, that the HIPAA regulations may well inform the applicable standard of care in certain circumstances.” Byrne, 2014 Conn. LEXIS 386, at *27.

In its detailed analysis of the question of preemption, the court noted, “[c]onsistent with these principles, the regulatory history of . . . HIPAA demonstrates that neither HIPAA nor its implementing regulations were intended to preempt tort actions under state law arising out of the unauthorized release of a plaintiff's medical records.” Id. at *37. Following a review of decisions in other states, the court concluded that, if the state common law recognizes claims arising from a health care provider’s breach of its duty of confidentiality in complying with a subpoena, HIPAA (and its lack of a private right of action) would not preempt such claims. The court further found that that HIPAA may be utilized as the standard of care in applying common law negligence claims, stating:

We further conclude that, to the extent it has become the common practice for Connecticut health care providers to follow the procedures required under HIPAA in rendering services to their patients, HIPAA and its implementing regulations may be utilized to inform the standard of care applicable to such claims arising from allegations of negligence in the disclosure of patients’ medical records pursuant to a subpoena. The availability of such private rights of action in state courts, to the extent that they exist as a matter of state law, do not preclude, conflict with, or complicate health care providers' compliance with HIPAA. On the contrary, negligence claims in state courts support at least one of HIPAA's goals by establishing another disincentive to wrongfully disclose a patient's health care record. Accordingly, they conclude that the trial court improperly dismissed counts two and four of the plaintiff's complaint, sounding in negligence and negligent infliction of emotional distress.

Id. at **47–48 (internal quotations and citations omitted).

The Byrne case is an example of a state court ruling that HIPAA’s private cause of action prohibition does not preclude state common law or statutory law claims for unauthorized disclosure of medical records. While other states have refused to go as far as Connecticut and have dismissed common law and state statutory claims based on the fact that HIPAA does not provide a private cause of action,1 Connecticut is now part of a growing number of courts to rule otherwise.2 The stage is now set for future debate on this issue and future lawsuits by patients whose personal health information may have been disclosed. 

In light of the Byrne decision, health care providers, other HIPAA-covered entities, and business associates should note that their failure to comply with HIPAA could result in common law liability that is separate from possible administrative penalties and other enforcement action taken by the U.S. Department of Health and Human Services. To reduce this risk, health care providers should continue to review their HIPAA policies and procedures on an annual basis, train employees on HIPAA requirements, and require HIPAA releases prior to any disclosure of medical records.


1 See, e.g., Bonney v. Stephens Memorial Hospital, 2011 ME 46, p.20 (Me. 2011) (holding that because HIPAA does not provide a private cause of action, it cannot create a standard for violation of state common law); Young v. Carran, 289 S.W.3d 586, 588 (Ky. Ct. App. 2008) (“HIPAA does not create a state-based private cause of action for violations of its provisions”).

2 See, e.g., R. K. v. St. Mary’s Med. Ctr., Inc., 229 W. Va. 712, 718–21 (W. Va. 2012) (using HIPAA as standard of care for breach of medical confidentiality); Acosta v. Byrum, 180 N.C. App. 562, 568 (N.C. Ct. App. 2006) (acknowledging HIPPA as setting the standard of care); I.S. v. Washington Univ., 2011 U.S. Dist. LEXIS 66043, at *16 (E.D. Mo. June 14, 2011) (recognizing claim for negligence per se despite HIPAA); K.V. v. Women's Healthcare Network, LLC, 2007 U.S. Dist. LEXIS 102654, at *2 (W.D. Mo. June 6, 2007) (concluding that negligence per se claim based on HIPAA was a state-law claim); Harmon v. Maury County, TN, 2005 U.S. Dist. LEXIS 48094, at *11 (M.D. Tenn. Aug. 31, 2005) (permitting negligence per se claim based on HIPAA violation); Doe v. Southwest Cmty. Health Ctr., 2010 Conn. Super. LEXIS 2167, at *25–26 (2010) (denying summary judgment on negligence claim per duty imposed by common law and HIPAA). See also Fanean v. Rite Aid Corp. of Delaware, Inc., 984 A.2d 812, 817 (Del. Super. Ct. 2009) (failing to discuss HIPAA and recognizing emotional distress and negligence claims); Baum v. Keystone Health Plan, 826 F.Supp.2d 718, 721 (E.D. Pa. 2011) (permitting negligence and negligence per se claims); Yath v. Fairview Clinics, N.P., 767 N.W.2d 34, 49–50 (Minn. Ct. App. 2009) (holding Minnesota statute not preempted by HIPAA).


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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