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 NAME: M_o_R Foundation Risk Management Certification

The M_o_R Guide is intended to help organizations put in place an effective framework for risk
management. This will help them make informed decisions about the risks that affect their strategic,
programme, project and operational objectives.
The guide provides a route map for risk management, bringing together basic concepts, an approach, a
process with a set of interrelated process steps, and pointers to more detailed sources of advice on risk
management techniques and specialisms. It also provides advice on how the principles, approach and
processes should be embedded, reviewed and applied differently depending on the nature of the
objectives at risk.
The primary purpose of the syllabus is to provide a basis for accreditation of people involved with
M_o_R. It documents the learning outcomes related to the use of M_o_R and describes the
requirements a candidate is expected to meet to demonstrate that these learning outcomes have been
achieved at each qualification level.
The target audience for this document is:
 test Board
 test Panel
 AXELOS Assessment Team
 Accredited Training Organizations.
This syllabus informs the design of the exams and provides accredited training organizations with a
more detailed breakdown of what the exams will assess. Details on the exam

- Risk 1.2, Glossary
- Issue Glossary
- Threat 1.2, Glossary
- Opportunity 1.2, Glossary
- 02 Corporate governance terms used in the M_o_R framework: 
- Risk exposure 1.2, Glossary
- Risk management 1.3, Glossary
- Corporate governance 1.6, Glossary
- Long-term
- Medium-term
- Short-term
- The seven principles that enable risk management 2.2 – 2.8
- The principle that results from implementing risk
- Aligns with objectives
- Fits the context
- Engages stakeholders
- Provides clear guidance
- Informs decision-making
- Facilitates continual improvement
- Creates a supportive culture
- Achieves measurable value.
- Aligns with objectives
- Fits the context
- Engages stakeholders
- Provides clear guidance
- Informs decision-making
- Facilitates continual improvement
- Creates a supportive culture
- Achieves measurable value
- Aligns with objectives.
- Fits the context
- Engages stakeholders
- Provides clear guidance
- Informs decision-making
- Facilitates continual improvement
- Creates a supportive culture
- Achieves measurable value
- KPIs
- EWIs
- Tolerance threshold
- Stakeholder analysis
- Approach documents
- Health check
- Maturity model
- Lessons learned
- 2.2 – 2.9
- Risk management policy
- Risk management process guide
- Risk management strategy
- 3.1
- Risk management policy
- Risk management process guide
- Risk management strategy
- Risk Register
- Issue Register
- Risk improvement plan
- Risk communications plan
- Risk response plan
- Risk progress report
- Scales for estimating probability and impact
- Risk categories
- Risk appetite for the activity
- Risk tolerance thresholds for the activity
- Reporting lines, owners of contingent plans, duties of the risk
- Risk description
- Risk category
- Probability
- Impact
- Proximity
- Risk status
- Risk response actions
- Appendix A.4.1
- Risk management policy
- Risk management process guide
- Risk management strategy
- Risk register
- Issue register
- Risk improvement plan
- Risk communications plan
- Risk response plan
- Risk progress report
- Probability (inherent and residual) 4.6 – 4.9,
- Impact (inherent and residual) Glossary
- Proximity
- The steps in the M_o_R process 
- The primary steps in the M_o_R process 4.1, 4.4 – 4.9
- The sub-steps in the Identify and Assess steps 4.1, 4.4 – 4.7
- The sequence of the steps 4.1, 4.4 – 4.9
- Strategic
- Programme
- Project
- Operational
- Strategic
- Programme
- Project
- Operational
- Strategic
- Programme
- Project
- Operational
- Strategic
- Programme
- Project
- Operational
- The risk management responsibilities of the senior team
- Writes and owns the risk management policy
- Defines the overall risk appetite
- Reviews the risk management strategy
- Cause
- Event
- Effect
- Risk response planning technique:
- Avoid a threat
- Exploit an opportunity
- Reduce a threat
- Enhance an opportunity
- Transfer the risk
- Share the risk
- Accept the risk
- Prepare contingent plans
- Expected value
- Monte Carlo simulation
- Sensitivity analysis
- Probability tree
- Decision Tree
- Cost benefit analysis
- Summary Risk Profile
- Exposure Trends
- Business continuity management
- Incident and crisis management
- Health and safety management
- Security risk management
- Financial risk management
- Environmental risk management
- Reputational risk management
- Contract risk management

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New Guidelines on Diabetes-Related Laboratory Testing

New guidelines from the American Association of Clinical Chemistry (AACC) and American Diabetes Association (ADA) address laboratory measures in the diagnosis and management of diabetes.

The document, entitled, "Guidelines and recommendations for laboratory analysis in the diagnosis and management of diabetes mellitus," is primarily aimed at both laboratory professionals and clinicians involved in diabetes care.

The guidance is focussed "on the practical aspects of care in order to assist with decisions regarding the use or interpretation of laboratory tests while screening, diagnosing, or monitoring patients with diabetes," write David B. Sacks, MBChB, chief of the clinical chemistry service at the National Institutes of Health (NIH), Bethesda, Maryland, and co-authors. It was published online July 20 in both Clinical Chemistry and Diabetes Care, including the guidelines and executive summary.  

Co-author M. Sue Kirkman, MD, of the University of North Carolina, Chapel Hill, told Medscape Medical News: "One objective of the guidelines is to increase clinicians' understanding of the strengths and limitations of tests done in a laboratory and also at the point of care, or in daily life, by people with diabetes."

The evidence-based recommendations, an update of prior versions published in 2011 and 2002, are meant as a supplement to the ADA Standards of Care in Diabetes and do not address aspects of clinical management, she stressed.

Addition of Advice on CGM

A significant addition since 2011 is detailed information regarding the use of real-time continuous glucose monitoring (CGM), with a "strong" recommendation based on a "high" level of evidence for use in teens and adults with type 1 diabetes who meet certain criteria, and lower-grade advice to use real-time or intermittently scanned CGM in other populations, including children with diabetes, pregnant women with type 1 diabetes, and adults with type 2 diabetes taking insulin.

The document also reminds clinicians to consider test limitations, Kirkman pointed out.

"We do a lot of testing in screening, diagnosis, and monitoring of diabetes and its complications, yet for many clinicians they think that any result they get — or that a patient gets from home testing — is perfect. They often don't think about the accuracy or precision of some tests, things that might interfere with the result, intra-individual variation of the test, or how one test may compare to a test of higher accuracy," she said.

One example is a recommendation to collect blood samples for glucose analysis in tubes containing a rapidly effective inhibitor of glycolysis such as a granulated citrate buffer. If unavailable, the trial tube should be placed immediately into an ice water slurry and centrifuged within 15-30 minutes to remove the cells.

Without those measures, "red cells in blood sitting in the test tube continue to break down glucose, so the concentration of glucose will start to fall very soon...How the specimen is handled makes a huge difference in the result," Kirkman emphasized.

Another is the recommendation of a confirmatory test when diagnosing diabetes, regardless of the initial test used (A1c, fasting glucose, or oral glucose tolerance test). "There is large intra-individual variation of fasting glucose and even larger for 2-hour glucose on the oral glucose tolerance test…This means if you do the test one week and then repeat it the next day or a week later, the results will be quite different. This is a reason why confirmation of an abnormal test is important. Yet many times this isn't done," she noted.

Other "strong" recommendations based on "high" evidence levels include:

  • Fasting glucose should be measured in venous plasma when used to establish the diagnosis of diabetes, with a diagnostic cutoff of > 7.0 mmol/L (> 126 mg/dL) for diabetes.

  • Frequent blood glucose monitoring is recommended for all people with diabetes treated with intensive insulin regimens (with multiple daily injections or insulin pump therapy) and who are not using CGM.

  • Routine use of blood glucose monitoring is not recommended for people with type 2 diabetes who are treated with diet and/or oral agents alone.

  • Treatment goals should be based on ADA recommendations, ie A1c < 7% (< 53 mmol/mol) if it can be achieved without significant hypoglycemia or other adverse treatment effects, with higher targets for special populations.

  • Annual testing for albuminuria should begin in pubertal or post-pubertal individuals 5 years after diagnosis of type 1 diabetes and at time of diagnosis of type 2 diabetes, regardless of treatment.

  • Urine albumin should be measured annually in adults with diabetes using morning spot urine albumin-to-creatinine ratio.

  • Other guidance in the document pertains to use of ketone testing, genetic markers, autoimmune markers, and C-peptide.

    According to Sacks, "It's important to measure accurately, but it's also very important to communicate the relevance to clinicians and to listen to them and share information...Patient care is a team effort."

    Sachs has reported receiving funding from the NIH. Kirkman has reported no relevant financial relationships.

    Clin Chem. Published online July 20, 2023. Full text

    Diabetes Care. Published online July 20, 2023. Guidelines, Executive summary  

    Miriam E. Tucker is a freelance journalist based in the Washington, DC, area. She is a regular contributor to Medscape, with other work appearing in The Washington Post, NPR's Shots blog, and Diabetes Forecast magazine. She is on Twitter: @MiriamETucker.

    For more diabetes and endocrinology news, follow us on Twitter and Facebook.

    M&M shares rise on new EV battery testing facility

    Mahindra and Mahindra Limited (M&M) shares rose over 1 percent to Rs 1,491 at 10:06 am on August 1.

    The automobile major announced on July 31 that it is establishing an electric vehicle (EV) battery testing facility at Mahindra Research Valley (MRV) in Chengalpattu and a crash test facility at Mahindra SUV Proving Track (MSPT) SIPCOT, both in Tamil Nadu.

    Follow their market blog for all the live action

    As per the disclosure to the exchanges, the EV battery testing facility will be set up at a cost of Rs 210 crore, which would lead to the employment of more than 1,000 people and the crash test facility will be constructed for Rs 290 crore. Additionally,  the company will invest Rs 12 crore in their Information Technology facility located in Coimbatore.

    This gains significance as the M&M EV business is likely to get another round of fund infusion. The proposed funding will be completed within two weeks, CNBC-TV18 reported on August 1 citing sources familiar with the matter.


    The MRV R&D facility, established in 2012, is located on a 125-acre site within the Mahindra World City, Chengalpattu. Notably, MRV holds the distinction of being the world's first R&D center to integrate Automobile and Tractor Product Development under one roof.

    In accurate times, MRV has successfully launched various new vehicle models, including XUV500, THAR, XUV 300, KUV 100, Alturas, TUV 300, Arjun Novo, Yuvo, Jivo, among others.

    Furthermore, Mahindra owns a 454-acre test track in SIPCOT Cheyyar, which is dedicated to vehicle testing and validation, ride handling, and other relevant capabilities

    Disclaimer: The views and investment tips expressed by experts on Moneycontrol are their own and not those of the website or its management. Moneycontrol advises users to check with certified experts before taking any investment decisions.

    Jack O'Brien

    Northwell Health is Raising Health in New York Jack O'Brien

    August 21, 2023

    3:26 pm

    Supported by the hashtag #RaisingHealth, the campaign debuted with a 30-second ad titled “The Solvers,” which also ran on Northwell’s LinkedIn page, which has more than 178,000 followers.


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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