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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Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der INBDE: Integrated National Board Dental Examination (Day 1 exam) Prüfung.

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Exam Number : INBDE
Exam Name : Integrated National Board Dental exam (Day 1 exam)
Vendor Name : Medical
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INBDE exam Format | INBDE Course Contents | INBDE Course Outline | INBDE exam Syllabus | INBDE exam Objectives


Exam Code : INBDE

Exam Name : Integrated National Board Dental exam 2022



The INBDE is a two-day examination administered on a computer. Day 1 consists of 360 test items (3 sets of 100 standalone items, 1 set of 60 case questions). Day 2 includes 140 test items (2 sets of 70 case questions).



The INBDE is an examination foreign-trained dentists must take and pass in order to earn admission into any advanced standing programs in the US dental schools. This article is a COMPLETE GUIDE TO THE INBDE and the necessary steps required, questions usually asked, study material which students find helpful etc for the INBDE examination. It is a crucial step forward which is a must for all international dentists seeking to be dentists in the US.



The INBDE is designed to be scored as a pass or fail test, and numerical scores are not provided to candidates. Though scores are not given, the exams attempt is definitely counted and appears in the final report. It is always better to pass these competitive exams on the first attempt, as candidates with multiple attempts will definitely be at a disadvantage when applying to competitive schools. Most schools do keep in mind the number of attempts needed to clear the exam. Hence, it is good to attempt the test when thoroughly prepared to avoid a failed attempt.



NBDE exam Covers following syllabus:



- Cell, Embryology & Histology, Tissue, General Anatomy of Muscles and Muscles of Head & Neck

- Basic anatomy about blood vessels, Arterial & Venous supply of Head and Neck, Thorax & Abdomen, Heart, Lymphatic system

- General anatomy of bone, joints, head and neck osteology, TMJ, Brain, nervous system, cranial nerves

- Mouth, pharynx, larynx, tooth development, tooth histology, PDL, Gingiva

- Dental anatomy terminology, Notation systems, chronology of dentition

- Primary dentition, permanent dentition

- Development of dental occlusion, terminology & concepts of occlusion, movements of mandible position

- Development of tooth, histology of tooth (Enamel, Dentin, cementum, pulp), Histology of oral structures (PDL, gingiva, oral mucous membrane)

- Carbohydrates, enzymes, lipids, DNA, RNA

- Proteins, Vitamins, minerals

- Blood, heart, CVS, GIT, Endocrine system, Reproductory system

- Lungs, respiratory system, kidneys, urinary system, nerves, ANS, CNS, Special sensory organs

- Inflammation, necrosis, blood disorders, heart disorders, bone disorders

- Kidney disease, liver disease, lung disorders, neoplasms, syndromes

- Sterilization and disinfection, bacteriology, immunology

- Virology, mycology, parasitology, vaccines

- Oral Diagnosis, Oral Surgery/Pain Control, Pharmacology



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Medical (Day Free exam PDF

 

Medical College Exam: Four more doctors arrested over question leak

Four more doctors have been arrested in Khulna over the leak of question papers of the centralised medical college admission test, said police's Criminal Investigation Department yesterday.

The arrestees are Lewis Sourav Sarkar, 30, Mustahin Hasan Lamia, 25, Sharmistha Mondal, 26, and Nazia Mehzabin Tisha, 24.

Speaking to this newspaper, CID Additional Superintendent of Police (media) Azad Rahman said the four were arrested from different parts of Khulna on Saturday and Sunday.

They were brought to the capital and produced before a Dhaka court yesterday that sent them to jail, he added.

Earlier in the day, their family members at a press briefing in Khulna said that the four doctors were picked up on August 18 by plainclothes men, who identified themselves as CID officers.

They said they visited the CID headquarters in Dhaka, but the officials didn't provide any information about their whereabouts or why they were detained, reports UNB.

On August 13, CID told a press briefing that it arrested 12 members of a "question paper leaking racket", from Dhaka, Tangail, Kishoreganj, and Barishal.

Of them, seven are physicians, including Yunusuzzaman Khan Tarim, 40, the owner of Three Doctors Coaching Centre in Khulna, who was arrested Friday.

The CID in a press release yesterday said it found transactions of Tk 25 crore in the bank accounts of Dr Tarim and his wife.

Dr Tarim engaged in leaking medical college entrance exam question papers and arranged illegal admission of numerous students to government medical colleges, it added.

Dr Lewis is an alumnus of Khulna Medical College and a teacher at Tarim's coaching centre. Currently, he works as a medical officer at an NGO.

Dr Lamia stood 11th on the national merit list for the medical college admission test during the 2015-16 session. She was a student at Tarim's coaching centre.

However, despite her impressive result in the entrance exam, Lamia initially failed in all subjects of the four final professional examinations. She later passed the exams after several attempts.

There were allegations that Lamia's husband, Sheikh Osman Gani, paid Tk 15 lakh to Dr Tarim to secure Lamia's admission, the CID claimed.

Additionally, the admissions of Dr Sharmistha and Dr Nazia to Khulna Medical College raised suspicions, as they allegedly acquired leaked question papers from Dr Tarim, the CID also claimed.

So far, the number of arrests in the case now stands at 28, with 14 of them giving confessional statements before a Dhaka court.

The CID has been investigating the case since July 2020, when they first busted the medical question leaking racket.

The racket leaked question papers at least 10 times between 2001 and 2017, earning crores of taka, CID chief Mohammad Ali Mia said at a press briefing at the CID Headquarters last week.

The people who have been arrested helped hundreds of students to enrol in medical colleges through illegal means, he added.

The question papers of medical and dental college admission tests were leaked repeatedly from the printing press under the Directorate General of Medical Education (DGME), according to the CID.

One Jasim Uddin Bhuiyan Munnu was the mastermind of this racket.

His cousin Abdus Salam, a machine operator at the DGME press, used to leak questions for many years, with help from influential DGME officials, while Jasim used to spread the leaked questions all over the country, using a strong network, said CID officials.


Today is: Annual Medical Checkup Day

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  • Indian Air Force Agniveer Syllabus 2023 PDF: obtain exam Pattern, CASB, PET, Medical Test

    Indian Air Force Agniveer Syllabus 2023 PDF: obtain the IAF Agniveer Vayu exam pattern and syllabus. The online test will be held for the recruitment of 3500+ vacancies.

    Indian Air Force Agniveer Vayu exam Pattern and Syllabus 2023: The Indian Air Force will recruit 3500+ vacancies for the Agniveer post through Air Force Agneepath Vayu exam (01/2024). Candidates planning to take the Indian Air Force Agniveer exam should carefully review the syllabus provided in the official notice by the Indian Air Force. This syllabus outlines the subject areas from which the examination questions will be drawn. Familiarizing themselves with the exam pattern and syllabus will enable candidates to grasp the exam's requirements and enhance their preparation effectively.

    Check Indian Air Force Agniveer Vayu Eligibility Criteria 2023

    In this article, they have shared complete details on the Indian Air Force Agniveer Vayu syllabus for the computer-based exam and the Indian Air Force Agniveer selection process, preparation strategy, and best books in detail.

    Career Counseling

    Check Indian Air Force Agniveer Vayu Salary 2023

    Indian Air Force Agniveer Vayu Syllabus and exam Pattern 2023: Overview

    Candidates must thoroughly analyse the Indian Air Force Agniveer Vayu syllabus and exam pattern to cover all the important Topics from the exam perspective. Here are the key highlights of the Indian Air Force Agniveer Vayu syllabus and exam pattern shared below for the reference of the candidates:

    Indian Air Force Agniveer Vayu Syllabus and exam Pattern 2023 Overview

    Exam Conducting Body

    Indian Air Force

    Post Name

    Agniveer Vayu

    Vacancies

    3500+ vacancies

    Category

    Indian Air Force Agniveer Vayu syllabus and exam pattern

    Selection Process

    Written Exam, CASB, PET, PMT, Adaptability Test-I, and II, Document Verification, and Medical Exam

    Exam Mode

    Online

    Marking Scheme

    +1 mark

    -0,25 mark

    Duration

    Varies as per post

    Indian Air Force Agniveer Vayu Selection Process 2023

    The Air Force Agneepath recruitment scheme for 2023 will comprise six stages in its selection process:

  • Online Test
  • CASB (Central Airmen Selection Board) test
  • Physical Efficiency Test (PET) and Physical Measurement Test (PMT)
  • Adaptability Test-I and Test-II
  • Document Verification
  • Medical Exam
  • Check AFCAT 2023 Eligibility Criteria

    Indian Air Force Agniveer Vayu exam Pattern 2023

    Check the detailed exam pattern for the  Indian Air Force Agniveer Vayu online test as discussed below:

    Indian Air Force Agniveer exam Pattern 2023

    Name of the Group

    Subjects

    No. of Questions

    Maximum Marks

    Exam Duration

    Science

    English

    20 

    70

    60 minutes

    Mathematics

    25 

    Physics

    25

    Other than Science

    Reasoning & General Awareness

    30

    50

    45 minutes

    English

    20

    Science & Other than Science

    Mathematics

    25

    100

    85 minutes

    English

    20

    Reasoning & General Awareness

    30

    Physics

    25

    Note:

  • For Science subjects: In the science subject, the online test comprises three sections, i.e., English, Physics, and Mathematics. The questions are designed as per the 10+2 CBSE syllabus. The exam duration shall be 60 minutes.·
  • For other than Science subjects: In this subject, the online test comprises two subjects i.e. English and Reasoning & General Awareness (RAGA). The standard of questions this exam asks is as per the 10+2 CBSE syllabus.  The exam duration shall be 45 minutes.·
  • For Science subjects and other than Science subjects: In the science subject, the online test comprises three sections, i.e., English, Physics, Mathematics, and Reasoning & General Awareness (RAGA). The questions are designed as per the 10+2 CBSE syllabus. The exam duration shall be 85 minutes.
  • As per the marking scheme, one mark will be awarded for every correct response, and 0.25 marks will be deducted for every incorrect answer.
  • Indian Air Force Agniveer Vayu Syllabus 2023

    The Indian Air Force Agniveer Vayu Syllabus PDF is divided into three groups i.e., Science, other than Science, and Science & other than Science. Aspirants must be well-acquainted with the Indian Air Force Agniveer syllabus to cover all the aspects of the exam. Check the subject-wise Indian Air Force syllabus 2023 for Agniveer below:

    Subjects

    Topics

    English

    Word Formation (nouns from verbs, adjectives, etc.)

    Preposition

    Determiners

    Clauses (noun, adverb & relative clauses)

    Subject-verb concord

    Verb formation and error in their use

    Noun & Pronoun

    Conjunction

    Synonyms

    Antonyms

    Adverb

    Modals

    Spelling errors

    Idioms and phrases

    Sentence transformation (simple, negative, compound, complex, etc.)

    One-word substitution

    Mathematics

    Definite and Indefinite integrals

    Differential equations

    3-Dimensional geometry

    Binomial Theorem

    Application of derivatives

    Application of integrals

    Cartesian system of rectangular coordinates

    Circles and family of circles

    Complex numbers

    Conic sections

    Trigonometry

    Trigonometric functions

    Differentiation

    Limit and continuity

    Linear Equations

    Linear programming

    Matrices and Determinants

    Permutation and Combination

    Mathematical induction

    Mathematical reasoning

    Sets, relations, and functions

    Statistics

    Probability

    Quadratic equations

    Sequence and series

    Straight lines and family of lines

    Vector

    Reasoning

    Percentage

    Distance and Direction

    Inserting correct mathematical sign

    Coding and Decoding

    Analogy & Odd one out

    Blood relations

    Number Simplification

    Area of triangle, square and rectangle

    Number Puzzle and coding

    Volume & Surface area of cone, cylinder, cuboid, and sphere

    Fractions & Probability

    Assigning artificial values to mathematical digit

    Average

    Dictionary words

    Profit and loss

    Ratio & Proportion

    Simple Trigonometry

    Time, Speed and Distance

    Youngest, tallest relation-based questions

    Time sequence, Number and Ranking

    Number Series

    Mathematical Operations & Mutual relation problem

    Physics

    Electronic devices

    The behaviour of perfect gases and the kinetic theory of gases & Atoms and Nuclei

    Bulk matter properties

    Laws of motion

    Communication System

    Electromagnetic induction and Alternating current

    Electrostatics & Current Electricity

    Optics

    Sequence and series

    Kinematics

    Waves and Oscillations

    Physical-world and measurement

    Electromagnetic Waves

    Straight lines and family of lines

    Magnetism and Magnetic effects of current

    Radiation and Dual nature of matter

    The motion of a system of particles and rigid body

    Thermodynamics

    Vector

    Work, Power, and Energy

    Gravitation & Statistics

    Electronic devices

    Optics

    Sequence and series

    Trigonometric & Inverse Trigonometric functions

    Laws of motion

    Communication System

    Sets, relations, and functions

    The behaviour of perfect gases and the kinetic theory of gases & Atoms and Nuclei

    Bulk matter properties

    Radiation and Dual nature of matter

    Electromagnetic Waves

    Kinematics

    Waves and Oscillations

    Physical-world and measurement

    Magnetism and Magnetic effects of current

    Work, Power, and Energy

    Electromagnetic induction and Alternating current

    Straight lines and family of lines

    Vector

    The motion of a system of particles and rigid body

    Thermodynamics

    Electrostatics & Current Electricity

    Gravitation & Statistics

    General Awareness

    Geography

    History

    Current Affairs

    Civics

    General Science

    Basic Computer Operations

    Indian Air Force Agniveer Vayu Physical Fitness Test

    After qualifying in the written exam, all the qualified candidates will be shortlisted for the physical fitness test. Check the  Indian Air Force Agniveer Vayu physical fitness requirements and medical standards for male and female candidates elaborated below:

    Indian Air Force Agniveer Vayu Physical Efficiency Test (PET)

    The Indian Air Force Agniveer Vayu physical efficiency criteria for male and female candidates are as follows:

    PFT-I: The candidate will have to complete 1.6 km run as per the following timing to qualify for PFT-II.

    Test

    Male candidate

    Female candidate

    1.6 km run

    Within 07 minutes

    Within 06 minutes

    PFT-II: Candidates declared qualified in PFT-I are shortlisted for PFT-II after 10 minutes of recuperation time. The sequence of exercises and maximum time period of male and female candidates are as follows.

    Male Candidate

    Test

    Max Time Period

    Remarks

    10 Push-ups

    01 minute

    Test will be conducted after 10 minutes break on completion of run.

    10 Sit-ups

    01 minute

    Test will be conducted after 02 minutes break on completion of 10 push-ups.

    20 squats

    01 minute

    Test will be conducted after 02 minutes break on completion of 10 sit-ups.

    Female Candidate

    Test

    Max Time Period

    Remarks

    10 Sit-ups

    01 minute and 30 seconds

    Test will be conducted after 10 minutes break on completion of run.

    15 Squats

    01 minute

    Test will be conducted after 02 minutes break on completion of 10 sit-ups.

    Indian Air Force Agniveer Vayu Adaptability Test I and II 2023

    Adaptability Test-I. All candidates who are declared qualified in the Physical Fitness Test (PFT) will be called to appear in Adaptability Test-I (objective type written test), which is to check the suitability of a candidate for employment in the IAF, which includes deployment in varied geographic terrain, weather and operational conditions.

    Adaptability Test-II. All aspirants who are declared qualified in Adaptability Test-I will be shortlisted for Adaptability Test-II as per policy in vogue. Adaptability Test-II is to shortlist candidates who can adapt to the environment of the Indian Air Force and can adjust to the military way of life.

    Indian Air Force Agniveer Vayu Medical exam 2023

    The Indian Air Force Agniveer Vayu medical standard requirements for male and female candidates are as follows:

    Height: The minimum acceptable height for the male candidate is 152.5 cm, whereas the minimum acceptable height for the female candidate is 152 cm.

    Weight: Proportionate to age and height.

    Chest: The chest should be well proportional with a minimum age expansion of 5 cm for male and female candidates.

    Hearing: Candidate must have normal hearing i.e., able to hear forced whisper from a distance of 6 meters by each ear separately.

    Dental: Must have healthy gums, a good set of teeth, and a minimum of 14 dental points.

    Visual Standards:

    Visual Activity

    Maximum Limits of Refractive Error

    Colour Vision

    6/12 each eye, correctable to 6/6 each eye

    Hypermetropia- +2.0 D

    Myopia 1 D

    Including +/- 0.50 D Astigmatism

    CP-II

    Indian Air Force Agniveer Vayu Syllabus 2023: Best Books

    Candidates should pick the Indian Air Force Agniveer books based on the recent edition and format. The right resources will help them to build conceptual clarity and cover the massive Indian Air Force Agniveer Vayu syllabus at the decided time. Some of the highly recommended Indian Air Force Agniveer Vayu books are as follows:

    Subject

    Books

    General Awareness

    General/Banking/Financial Awareness with Current Affairs for Bank exam by Disha Experts

    Mathematics

    Fast Track Objective Mathematics by Rajesh Verma

    General English

    Objective English by R S Aggarwal

    Physics

    Concept of Physics by H.C Verma

    Reasoning

    Verbal and Non-verbal Reasoning by R S Aggrawal


     


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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