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 : HPE6-A81
Exam Name : Aruba Certified ClearPass Expert (ACCX)
Vendor Name : HP
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CTET 2024: Pre Admit Card, test Date, Pattern & Syllabus

CBSE will soon release the CTET admit card on its website. The last date to make corrections in the CTET application form is now over. The test shall be held on 21st January 2024. CTET is a teaching test which is held two times a year. Candidates who qualify CTET test of the 18th edition will be able to apply for the post teacher in the primary and secondary sections in various Central and State level schools across India. Get complete information on CTET test such as notification, eligibility, test date, syllabus, etc.

CTET 2024 Exam 

The last date to apply for CTET 2024 test is now over. The candidates who have filled out the CTET application form correctly will be able to get the CTET admit card soon from the official website which is ctet.nic.in/- The CTET test city intimation slip, however, will be released before the admit card to let the candidates know their test city. The admit card get link will be activated two days before the test date. 

The CTET Central Board of Secondary Education (CBSE) released the CTET 2024 Notification at ctet.nic.in. Interested and eligible candidates could fill out the CTET application form from 3rd to 1st December 2023 (Revised). The CTET form correction 2024 window was available from 4th to 8th December 2023. The CTET 2024 test is the 18th edition of the exam. The CTET test date remains unchanged which is, 21st January 2024. Candidates who are looking forward to appearing for the test should fill out the form and take the printout of the confirmation page as well.

The Central Teacher Eligibility Test (CTET) is a national-level test is a national level test which is conducted as an eligibility test for teachers to teach Primary (Classes 1 to 5) or Elementary (Classes 6 to 8). Those who qualify the CTET test get a CTET certificate which is valid for a lifetime. The CBSE will conduct the 18th addition of CTET exam this time.

CTET Admit Card 2024

CTET admit card 2024 will be released by the CBSE for the written test a few days before the test date. Candidates can get the hall ticket by visiting the CBSE website. Here is the procedure to get the CTET admit card:

STEP 1: Visit ctet.nic.in

STEP 2: Click “Download Admit Card"

STEP 3: Enter your CTET 2024 Registration Number & DOB

STEP 4: Download & print the admit card

CTET 2024 January Notification

The Central Board of Secondary Education (CBSE) has officially released the CTET January 2024 notification PDF on its website which is ctet.nic.in/- The CTET notification has complete details regarding the CTET test eligibility criteria, apply online date, test date, syllabus, test pattern, etc. The candidates who apply for the test must go through the detailed CTET notification as it provides you with the most accurate and up-to-date information regarding the exam. Here is the direct link to get CTET 2024 notification PDF.

CTET Notification 2024 January PDF Download Click Here CTET January 2024 test Overview

The CTET test is conducted two times in a year by the CBSE. It is an eligibility test that allows you to apply for teacher in government and non-government schools. The test is conducted on a single day in two shifts for Paper 1 and Paper 2. Check the following table to learn the major highlights associated with the exam. 

CTET test Particulars

Exam Details

Exam Name

Central Teacher Eligibility Test (CTET)

Conducting Body

Central Board of Secondary Education (CBSE)

Exam Level


Type of exam

Teaching exam

Mode of Exam

Online - CBT (Computer Based Test) 

No. of Papers in CTET Exam

Paper-1: 150 marks (For Primary Teachers) 

Paper-2: 150 marks (For Elementary Teachers)

Exam Time

Shift 1 - 09:30 am to 12:00 noon

Shift 2 - 02:30 pm to 05:00 pm

Total Questions

150 multiple choice questions in each paper

Marking Scheme

1 mark for each correct answer

No negative marking for incorrect answer

Language/Medium of Exam

English and Hindi

Purpose of the exam

To determine the eligibility of candidates for appointment as teachers in Classes 1-8

Official Website


CTET 2024 test Date

CBSE has released the CTET 2024 notification on its website along with the complete schedule of the test on 3rd November 2023. Candidates can begin to apply for CTET test from 3rd November to 23rd November 2023. The important dates for CTET test such as test date, apply online date, etc. has been specified in the following table. 

CTET January 2024: Important Dates Events Dates CTET January 2024 Notification releases on 3rd November 2023  CTET Application Form Starts From 3rd November 2023 Last Date to fill Online Application 1st December 2023 Last Date to submit application fee  1st December 2023 (Extended) CTET test Date 21st January 2024, Sunday CTET Admit Card releases on  2 days before the test date CTET Answer Key Date January 2024 CTET Result Date To be notified What is CTET Full form?

CTET full form is Central Teacher Eligibility Test. It is a national-level test that is organized by the Central Board of Secondary Education Delhi to appoint teachers in the government and private schools of the country. 

The CTET test consists of two papers termed Paper 1 and Paper 2. Paper 1 is held for those candidates who intend to teach the primary classes, i.e Class 1 to 5 white Paper 2 is for those who wish to teach classes 6 to 8. Candidates who qualify the CTET test get the CTET certificate that is valid for a lifetime. 

CTET January 2024 Application Form

Candidates need to fill the Online Application Form to apply for the CTET 2024 January exam. Here is the procedure to fill the CTET application form:

STEP 1: Visit official website www.ctet.nic.in

STEP 2: Click “New Registration” which appears on the page.

Here is the CTET apply online link 2023

STEP 3: Fill in the Online Application Form by entering personal details and get the Registration Number.

STEP 4: Upload Photograph and Signature in the prescribed format

STEP 5: Pay the examination Fee by e-challan or debit card/credit card/net banking

STEP 6: Print the Confirmation page

Application Fee for CTET 2024 January exam

All the candidates who apply for the CTET 2024 January exam must make sure that they have paid the application fee. A separate application fee has to be paid for each CTET paper. Here is the application fee for CTET exam. 


CTET Application Fee for One Paper

CTET Application Fee for Two Papers 


Rs. 1,000

Rs. 1,200

SC/ST/Differently Abled Person

Rs. 500

Rs. 600

CTET 2024 Eligibility Criteria

All the candidates must ensure that they fulfil the CTET eligibility criteria to be able to apply for the exam. The eligibility consists of fulfilling the education qualification, age limit, etc. The educational qualifications for CTET primary stage and elementary stage are as follows.

CTET Qualification for Primary Stage - Classes I-V

Candidates should fulfil any one of the following qualifications to apply for CTET paper 1.

  • A candidate should have passed class 12th with at least 50% and hold 2 year diploma in elementary education degree.
  • A candidate should have passed class 12th or equivalent with at least 45% marks and have 2-year Diploma in Elementary Education.
  • A candidate should have passed class 12th or equivalent with at least 45% marks with 4-year Bachelor of Elementary Education.
  • A candidate should have passed class 12th or equivalent with at least 45% marks with a 2-year Diploma in Education (Special Education) can apply.
  • Candidates should have passed their graduation with at least 50% marks and a Bachelor of Education degree.
  • CTET Qualification for Elementary Stage - Classes VI to VIII

    A candidate has to fulfill ANY ONE the following CTET qualification if he/she wishes to apply for being appointed as a teacher for classes VI to VIII.

  • Candidates who have completed their graduation and also hold 2-year Diploma in Elementary Education degree.
  • Candidates with a graduation degree and have scored at least 50% marks with 1-year Bachelor in Education.
  • Candidates with graduation with 45% minimum marks along with 1-year Bachelor in Education degree.
  • The candidates who cleared class 12th or equivalent test scoring at least 50% marks and have 4-year Bachelor in Elementary Education degree.
  • The applicants with a pass in class 12th or equivalent test with 50% marks in minimum along with 4-year B.A/ B.Sc.Ed or B.A.Ed/ B.Sc.Ed.
  • Candidates with graduation with at least 50% marks and a 1-year B.Ed. (Special Education) degree.
  • Any candidate who has qualified B.Ed. The programme is recognized by the NCTE.
  • CTET Age Limit

    Any candidate who is more than 21 years is eligible to apply for CTET exam. However, the upper age limit has not been prescribed for CTET exam.

    CTET 2024 test Pattern

    The CTET test pattern is divided for Paper 1 and Paper 2. They have mentioned about the CTET test patter in the following table below. 

    CTET test Pattern for Paper 1

    Candidates who intend to teach Classes I to V need to appear for Paper I. The CTET test pattern for Paper-I is:


    Number of Questions (MCQs)


    Child Development and Pedagogy (Compulsory)



    Language I (Compulsory)



    Language II (Compulsory)






    Environmental Studies






    CTET test Pattern for Paper 2

    Paper-2 will be for candidates who intend to teach Classes VI to VIII. The CTET test pattern for Paper-2 is:


    Number of Questions (MCQs)


    Child Development and Pedagogy (Compulsory)



    Language I (Compulsory)



    Language II (Compulsory)



    Mathematics and Science

    (for Mathematics and Science teacher)



    Social Studies/Social Science

    (for Social Studies/Social Science teacher)






    CTET Question Paper

    All the candidates willing to qualify the CTET 2024 test must ensure that they have downloaded the CTET question paper to know about the test trend. Practicing the CTET previous year papers gives you a good knowledge about the test pattern and the type of questions that have been asked in the last year. This also helps them to qualify the CTET cut off marks.

      CTET Answer Key 2024 

    CBSE will release the CTET answer key 2024 on its website after it has completed the exam. More than 25 lakh candidates wait eagerly for the declaration of the CTET answer key for Paper 1 and 2. Candidates can challenge the CTET answer key by paying Rs. 1000/- per question.

    CTET Result 2024

    CBSE will declare the CTET result 2024 on its website in a few days after releasing the answer key. Those who appeared for the exam will be able to get CTET Paper 1 and 2 result from the website or the direct link that shall be shared here. The CTET result allows you to know your qualifying status for the exam.

    You may also apply for other Government Jobs

    CISSP Certification Requirements And Cost

    Editorial Note: They earn a commission from partner links on Forbes Advisor. Commissions do not affect their editors' opinions or evaluations.

    The Certified Information Systems Security Professional (CISSP®) credential demonstrates mastery of developing and overseeing large-scale cybersecurity programs. When it comes to the best cybersecurity certifications, many consider CISSP the industry’s gold standard. Individuals who meet CISSP requirements can earn the certification and qualify to take on more professional responsibility in their cybersecurity jobs.

    This guide offers information on CISSP certification requirements, including experience, suggested preparation times and CISSP certification test costs.

    What Is CISSP Certification?

    CISSP certification, offered by (ISC)², is an advanced credential for information systems and cybersecurity professionals. This certification highlights an individual’s ability to create, deploy and manage cybersecurity efforts for large organizations.

    CISSP certification requirements include a significant amount of professional experience and passing a lengthy exam. This credential suits experienced workers over entry-level and mid-level professionals.

    Though this certification is not required by employers, it can boost candidates’ earning power and help them qualify for advanced roles in information security. CISSPs often work in positions like chief information security officer (CISO), network architect, security auditor and security manager, among others.

    CISSP Certification Requirements

    Aspiring CISSPs should familiarize themselves with the certification’s requirements before pursuing this credential.

    Gain Experience

    CISSP certification requirements stipulate that each candidate must have a minimum of five years of relevant professional experience. (ISC)² specifies eight security domains:

  • Domain 1: Security and risk management
  • Domain 2: Asset security
  • Domain 3: Security architecture and engineering
  • Domain 4: Communication and network security
  • Domain 5: Identity and access management
  • Domain 6: Security test and testing
  • Domain 7: Security operations
  • Domain 8: Software development security
  • Prospective CISSPs must accumulate experience in two of the eight domains to meet CISSP certification requirements. They can also apply (ISC)²-approved four-year college degrees and other credentials, which may qualify as a year of experience. Paid and unpaid internships also count toward the CISSP requirement.

    Pass the Certification Exam

    The CISSP test covers the eight domains of security in a four-hour test comprising 125 to 175 required responses. These appear as multiple-choice questions and advanced innovative items. Test-takers must earn a 700 out of 1,000 to pass. Candidates register to take the test with Pearson VUE.

    Get Endorsed

    After passing the exam, individuals can apply for endorsement online. The endorsement must come from an (ISC)²-certified professional who can advocate for your professional experience as a credential-holder in good standing. Individuals must receive endorsements within nine months of passing the exam.

    Cost of Becoming a CISSP

    Earning CISSP certification can deliver many professional benefits, but individuals should also understand the costs associated with pursuing the credential. Along with the required time investment, consider the following CISSP certification test costs and any required payments relating to preparation and recertification.

    CISSP Certification test Prep

    Many organizations offer prep courses for the CISSP certification exam, and their costs vary drastically. Make sure to include test prep costs, which may range from a few hundred dollars to a few thousand, in your CISSP budget. (ISC)² offers several test prep methods, including self-paced, instructor-led and team-based options.

    CISSP Certification test Cost

    The CISSP certification test costs $749. Individuals can receive vouchers from partner organizations after completing CISSP test training courses.

    Recertification Cost

    Individuals must meet CISSP recertification requirements every three years to maintain their credentials. Each certification holder must earn 120 continuing professional education (CPE) credits over this three-year period. Costs relating to CPEs can vary significantly, but each certified individual must pay an annual $125 fee to (ISC)².

    Common Careers for CISSPs

    Individuals who have met CISSP requirements and earned their credentials can pursue work in many information security and cybersecurity roles. As of 2023, the number of open cybersecurity roles far outpaces the number of qualified professionals, indicating strong continued demand in the sector.

    We sourced salary information for this section from Payscale.

    Data from Cyberseek.org indicates that among current cybersecurity openings requiring certification, CISSP ranks as the most in-demand credential. The following section explores roles for CISSP certification-holders.

    Chief Information Security Officer

    Average Annual Salary: Around $173,500Required Education: Bachelor’s degree in cybersecurity, information security or a related field; master’s preferredJob Description: CISOs rank among the top positions in information security for responsibility and salary. This C-suite role reports directly to the CEO and requires significant experience, practical skills and expertise in information security.

    CISOs oversee their organizations’ information security efforts. Often referred to as “chief security officers,” they supervise teams of infosec workers, set organizational directives, establish company-wide best practices and manage resource allotment. CISOs working in large, international businesses may interact with government agencies and congresspeople to ensure compliance with legal standards for information security.

    Information Technology Director

    Average Annual Salary: Around $125,000Required Education: Bachelor’s degree in computer science or related field, MBA degree often preferredJob Description: IT directors oversee departments of IT workers and manage organizations’ computer systems operations. They provide solutions to companies’ computer-related issues, including software upgrades, security concerns and general technical issues. IT directors communicate with executives to ensure company-wide directives are carried out successfully.

    These directors research new IT software and hardware to keep their organizations up to date and safe. They track metrics for managing IT professionals, along with storage, hardware and software. IT directors also handle employee schedules and budget planning. As department heads, they must possess strong communication skills to interact with mid-level professionals and C-suite executives.

    Security Analyst

    Average Annual Salary: Around $73,500Required Education: Bachelor’s degree in cybersecurity, computer and information technology or a related fieldJob Description: Security analysts work in computer systems, networks and information security departments to prevent, monitor and respond to security breaches. This broad professional title refers to workers who handle a variety of tasks in computer and network security.

    These professionals work in many industries as “first responders” for cyberattacks. They must demonstrate deep knowledge of hardware, software and data storage to understand potential vulnerabilities and security solutions. Security analysts may help design security systems and handle encryption efforts for businesses to protect sensitive information.

    Network Architect

    Average Annual Salary: Around $126,000Required Education: Bachelor’s degree in network engineering or a related field; master’s in cybersecurity or a related field often preferredJob Description: Network architects design and implement organizations’ security infrastructures. These professionals test and analyze existing safety structures to identify vulnerabilities and improvements. They install and maintain computer systems, including interconnected devices like firewalls and routers.

    Before deploying any updates or upgrades, these information security professionals create models to test their networks in a controlled environment. Modeling allows network architects to forecast security and traffic issues before implementing their infrastructures in the real world. They also train and educate IT workers on organizational best practices.

    Frequently Asked Questions About CISSP Requirements What are the requirements to become CISSP-certified?

    The two primary CISSP requirements are passing the test and gaining five years of relevant professional experience.

    No. CISSP certification suits experienced cybersecurity and information security professionals, requiring a minimum of five years of experience in the field.


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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