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.

Wo erhalte ich vollständige Informationen über NCCT-ICS?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der NCCT-ICS: NCCT Insurance and Coding Specialist Prüfung.

2025 Updated Actual NCCT-ICS questions as experienced in Test Center

Aktuelle NCCT-ICS Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

P-and-C NCCT-ICS : NCCT Insurance and Coding Specialist Practice Tests

Practice Tests Organized by Martha nods



Latest 2025 Updated P-and-C NCCT Insurance and Coding Specialist Syllabus
NCCT-ICS dumps questions with Premium PDF and Test Engine

Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee




NCCT-ICS dumps questions : Download 100% Free NCCT-ICS practice tests (PDF and VCE)

Exam Number : NCCT-ICS
Exam Name : NCCT Insurance and Coding Specialist
Vendor Name : P-and-C
Update : Click Here to Check Latest Update
Question Bank : Check Questions

NCCT-ICS Test Prep are must for success in real test
At killexams.com, they provide valid and up-to-date P-and-C NCCT-ICS Study Guide that are accessible for get with just one click. They do not recommend wasting your time on free material. Simply sign up for a small payment and obtain your NCCT Insurance and Coding Specialist Exam Questions get account ready in a few minutes. Study their NCCT-ICS TestPrep and complete your exam.

We are proud to say that a large number of their customers have passed their NCCT-ICS test with the help of their reliable Test Prep. They are now working in prestigious positions and earning a lot. This success is not just because of their NCCT-ICS boot camp, but because they have truly improved their knowledge and skills. Their focus is not only on helping them pass the NCCT-ICS test with their questions and answers, but also on enhancing their understanding of NCCT-ICS Topics and objectives. This is the key to their success.

Preparing for the challenging P-and-C NCCT-ICS test cannot be done with just the NCCT-ICS textbook or free Test Prep available on the internet. The real NCCT-ICS test often includes tricky questions that can confuse and lead to failure. killexams.com addresses this problem by providing genuine NCCT-ICS Latest Topics in the form of Practice Test and VCE test system. You can start by downloading their 100% free NCCT-ICS Test Prep before you decide to register for the full version of their NCCT-ICS Test Prep. They are confident that you will be satisfied with the quality of their TestPrep.







NCCT-ICS test Format | NCCT-ICS Course Contents | NCCT-ICS Course Outline | NCCT-ICS test Syllabus | NCCT-ICS test Objectives


Test Detail:
The NCCT-ICS (NCCT Insurance and Coding Specialist) test is a certification test offered by the National Center for Competency Testing (NCCT). It is designed to assess the knowledge and skills of individuals in the field of medical insurance and coding. The test evaluates the candidate's understanding of insurance regulations, coding systems, reimbursement processes, and medical documentation requirements.

Course Outline:
The NCCT-ICS course provides comprehensive training on medical insurance and coding. It covers a wide range of Topics related to insurance procedures, coding guidelines, and reimbursement practices. While the specific course content may vary, the following is a general outline of the key Topics covered:

1. Introduction to Medical Insurance:
- Overview of the healthcare insurance industry.
- Understanding insurance terminology and concepts.
- Introduction to healthcare reimbursement systems.
- Legal and ethical considerations in medical insurance.

2. Medical Coding Fundamentals:
- Introduction to medical coding systems (e.g., ICD-10, CPT, HCPCS).
- Coding guidelines and conventions for accurate code assignment.
- Coding for diagnoses, procedures, and services.
- Coding compliance and auditing processes.

3. Medical Insurance Claims Processing:
- Overview of the insurance claims process.
- Understanding different types of insurance plans (e.g., HMO, PPO).
- Completing insurance claim forms accurately and efficiently.
- Managing claim denials, appeals, and reimbursement issues.

4. Health Information Management:
- Medical record documentation and organization.
- Privacy and security of patient health information (HIPAA).
- Electronic health records (EHR) and health information exchange.
- Data quality and integrity in health information management.

5. Reimbursement and Billing Practices:
- Overview of healthcare reimbursement methodologies.
- Understanding fee schedules, billing codes, and charge capture.
- Insurance verification and pre-authorization processes.
- Managing accounts receivable and collections.

Exam Objectives:
The NCCT-ICS test assesses candidates' knowledge and skills in medical insurance and coding. The test objectives include, but are not limited to:

1. Medical Insurance Principles:
- Understanding insurance terminology, policies, and regulations.
- Demonstrating knowledge of insurance claim processing procedures.
- Applying legal and ethical standards in medical insurance practices.

2. Medical Coding and Documentation:
- Applying coding guidelines and conventions for accurate code assignment.
- Demonstrating proficiency in coding diagnoses, procedures, and services.
- Understanding medical record documentation requirements.

3. Insurance Claims Processing:
- Completing insurance claim forms accurately and efficiently.
- Demonstrating knowledge of insurance claim submission and processing.
- Managing claim denials, appeals, and reimbursement issues.

4. Health Information Management:
- Understanding the principles of health information management.
- Complying with privacy and security regulations (HIPAA).
- Demonstrating proficiency in electronic health records (EHR) usage.

5. Reimbursement and Billing Practices:
- Understanding healthcare reimbursement methodologies and fee schedules.
- Applying proper billing codes and charge capture processes.
- Managing insurance verification, pre-authorization, and accounts receivable.

Syllabus:
The NCCT-ICS course syllabus provides a detailed breakdown of the Topics covered in the training program. It includes specific learning objectives, case studies, practical exercises, and hands-on coding practice. The syllabus may cover the following areas:

- Introduction to medical insurance and coding.
- Medical coding systems (ICD-10, CPT, HCPCS).
- Insurance claims processing and reimbursement.
- Health information management and documentation.
- Compliance and ethics in medical insurance.
- test preparation and practice tests.
- Final NCCT-ICS Insurance and Coding Specialist Certification Exam.



Killexams Review | Reputation | Testimonials | Feedback


The NCCT-ICS dumps questions works!
Preparing for the NCCT-ICS practice test requires a lot of effort and time management. Time management is a complex issue that is not easy to resolve, but killexams.com certification has resolved this issue from the root level by presenting a range of time schedules. This platform offers all the necessary educational courses essential for the NCCT-ICS exercise exam. Therefore, without wasting any time, begin your preparation with killexams.com certification and get an outstanding score in the NCCT-ICS exercise exam.


Passing the NCCT-ICS test is not enough; having that knowledge is required.
I passed the NCCT-ICS test using killexams.com and received my certificate. I have done all my certifications with killexams.com and keep coming back for their bundles. The fact that I can exercise on my computer at home and see the same questions as in the test simulator is amazing. Thanks to killexams.com, I have reached the professional level, and I am happy with where I am in my career.


A truly awesome experience with the real NCCT-ICS test questions.
I subscribed to killexams.com on the suggestion of a friend, hoping to get some extra help for my NCCT-ICS exam. When I logged on to their website, I immediately felt secure and relieved. Their resources helped me pass the test with ease.


Real NCCT-ICS questions! I was not expecting such ease in the exam.
Thanks to killexams.com, I was able to answer all questions in the exam. I highly recommend killexams.com to everyone. I had checked out several books, but they did not help. However, with killexams.com's Questions and Answers, I found it easy to prepare for the NCCT-ICS exam. I understood all the concepts well.


Passing the NCCT-ICS test is just a click away!
I am impressed to see that the NCCT-ICS braindump is up to date with new modifications. These updates were unexpected, and I'm excited to take the test soon. I plan to order the new test preparation materials from killexams.com.


P-and-C and real questions

NCCT-ICS Exam

User: Shanina*****

Thanks to Killexams.com, I never feel alone when preparing for the ncct-ics exam. Their practice tests are fantastic, and their educators are both respectful and helpful in answering all my questions. I scored 91% on the real test and was relieved to find that their material was valid.
User: Makar*****

Relying on Killexams.com practice test for my ncct-ics test preparation was a great decision that paid off. Their material is very reliable and trustworthy, as the questions come from the real pool of test questions used by the vendor. Almost all the questions I encountered on the test looked familiar, and I knew the answers to them. Their money-back certain is genuine, as I have a friend who failed an Architect-level test and received a refund.
User: Charlotte*****

I was impressed to see that the ncct-ics brain practice test was updated with new scenarios that I did not expect to find anywhere else. I recently took my first ncct-ics exam, and now I plan to order the updated version.
User: Allan*****

In my opinion, using killexams.com was a good way to prepare for the exam. Although not all the questions on the test were identical to what I had seen on killexams.com, over 70% were the same and the rest were very similar. However, passing the test is the most important thing, and I managed to do so. It is essential to remember that even with killexams.com, it is still necessary to learn and use your brain.
User: Pavlo*****

I am pleased to say that I passed the ncct-ics exam, and I could not have done it without your help. My score was higher than I expected, and I attribute it all to your guidance. Thank you very much!

NCCT-ICS Exam

Question: Where can I see NCCT-ICS test outline?
Answer: Killexams.com provides complete information about NCCT-ICS course outline, NCCT-ICS test syllabus, and test objectives. All the information about several questions in the real NCCT-ICS test is provided on the test page at killexams website. You can also see NCCT-ICS Topics information from the website. You can also see NCCT-ICS trial practice test and go through the questions. You can also register to get the complete NCCT-ICS question bank.
Question: Do I need something else with NCCT-ICS dumps?
Answer: No, NCCT-ICS questions provided by killexams.com are sufficient to pass the test on the first attempt. You must have PDF Dumps for reading and a VCE test simulator for practice. Visit killexams.com and register to get the complete dumps questions of NCCT-ICS test test prep. These NCCT-ICS test questions are taken from real test sources, that's why these NCCT-ICS test questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these NCCT-ICS questions are sufficient to pass the exam. If you have time to study, you can prepare for the test in very little time. They recommend taking enough time to study and practice NCCT-ICS practice test that you are sure that you can answer all the questions that will be asked in the real NCCT-ICS exam.
Question: Will I be able to get all Questions & Answers of NCCT-ICS exam?
Answer: Yes. You will be able to get all Dumps to the NCCT-ICS exam. You can memorize and practice these Dumps with the VCE test simulator. It will train you enough to get good marks in the exam.
Question: Where can I find free NCCT-ICS test questions?
Answer: Killexams.com is the best place to get NCCT-ICS real test questions. These NCCT-ICS questions work in the real test. You will pass your test with these NCCT-ICS test prep. If you deliver some time to study, you can prepare for an test with much boost in your knowledge. They recommend spending as much time as you can to study and practice NCCT-ICS practice test until you are sure that you can answer all the questions that will be asked in the real NCCT-ICS exam. For this, you should visit killexams.com and register to get the complete dumps questions of NCCT-ICS test test prep. These NCCT-ICS test questions are taken from real test sources, that's why these NCCT-ICS test questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these NCCT-ICS questions are sufficient to pass the exam.
Question: Do I need VCE simulator to practice NCCT-ICS test?
Answer: Yes, You can get the VCE test simulator from your MyAccount. For NCCT-ICS Practice tests, you need to Install Killexams test Simulator on your computer with Windows operating system. You can follow the steps deliver at https://killexams.com/exam-simulator-installation.html to install and open the test simulator on your computer. test simulator is used to practice NCCT-ICS test questions and answers.
P-and-C+and+real+questions
https://www.pass4surez.com/art/read.php?keyword=P-and-C+and+real+questions&lang=us&links=remove



Unquestionably it is hard assignment to pick dependable certification questions/answers assets regarding review, reputation and validity since individuals get sham because of picking incorrectly benefit. Killexams.com ensure to serve its customers best to its assets concerning ACTUAL EXAM QUESTIONS update and validity. The vast majority of other's sham report dissension customers come to us for the brain dumps and pass their exams joyfully and effortlessly. They never trade off on their review, reputation and quality on the grounds that killexams review, killexams reputation and killexams customer certainty is imperative to us. Uniquely they deal with killexams.com review, killexams.com reputation, killexams.com sham report objection, killexams.com trust, killexams.com validity, killexams.com report and killexams.com scam. On the off chance that you see any false report posted by their rivals with the name killexams sham report grievance web, killexams.com sham report, killexams.com scam, killexams.com protest or something like this, simply remember there are constantly awful individuals harming reputation of good administrations because of their advantages. There are a huge number of fulfilled clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams hone questions, killexams test simulator. Visit Killexams.com, their specimen questions and test brain dumps, their test simulator and you will realize that killexams.com is the best brain dumps site.

Which is the best practice tests website?
Without a doubt, Killexams is 100% legit and also fully reliable. There are several features that makes killexams.com realistic and legit. It provides up to par and 100% valid test questions made up of real exams questions and answers. Price is really low as compared to most of the services on internet. The Dumps are updated on regular basis using most recent questions. Killexams account setup and solution delivery is amazingly fast. File downloading is certainly unlimited and also fast. Support is avaiable via Livechat and E-mail. These are the characteristics that makes killexams.com a robust website offering test prep with real exams questions.



Is killexams.com test material dependable?
There are several Dumps provider in the market claiming that they provide real test Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2025 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf get sites or reseller sites. Thats why killexams.com update test Dumps with the same frequency as they are updated in Real Test. test questions provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps questions of valid Questions that is kept up-to-date by checking update on daily basis.

If you want to Pass your test Fast with improvement in your knowledge about latest course contents and Topics of new syllabus, They recommend to get PDF test Questions from killexams.com and get ready for real exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Dumps will be provided in your get Account. You can get Premium practice test files as many times as you want, There is no limit.

Killexams.com has provided VCE practice test Software to Practice your test by Taking Test Frequently. It asks the Real test Questions and Marks Your Progress. You can take test as many times as you want. There is no limit. It will make your test prep very fast and effective. When you start getting 100% Marks with complete Pool of Questions, you will be ready to take real Test. Go register for Test in Exam Center and Enjoy your Success.




Salesforce-B2B-Commerce-Administrator practice questions | H31-211 VCE | NCLEX-PN question test | S1000-014 test preparation | CBDCE-CDCES test answers | AZ-120 test cram | H13-511 prep questions | HPE0-S22 test cram | Salesforce-Certified-B2C-Commerce-Developer test test | FCESP Free test PDF | MS-740 practice questions | BCCPA writing test questions | H31-523 practice test | 1V0-61.21 mock test | AMB-BC pdf questions | CEMAP-2 Latest Topics | HH0-580 practice test | HPE0-S55 Dumps | CTEL mock questions | DMF-1220 prep questions |


NCCT-ICS - NCCT Insurance and Coding Specialist test
NCCT-ICS - NCCT Insurance and Coding Specialist practice tests
NCCT-ICS - NCCT Insurance and Coding Specialist cheat sheet
NCCT-ICS - NCCT Insurance and Coding Specialist test questions
NCCT-ICS - NCCT Insurance and Coding Specialist learn
NCCT-ICS - NCCT Insurance and Coding Specialist Questions and Answers
NCCT-ICS - NCCT Insurance and Coding Specialist study help
NCCT-ICS - NCCT Insurance and Coding Specialist Question Bank
NCCT-ICS - NCCT Insurance and Coding Specialist techniques
NCCT-ICS - NCCT Insurance and Coding Specialist test questions
NCCT-ICS - NCCT Insurance and Coding Specialist Question Bank
NCCT-ICS - NCCT Insurance and Coding Specialist boot camp
NCCT-ICS - NCCT Insurance and Coding Specialist real questions
NCCT-ICS - NCCT Insurance and Coding Specialist test contents
NCCT-ICS - NCCT Insurance and Coding Specialist Questions and Answers
NCCT-ICS - NCCT Insurance and Coding Specialist PDF Questions
NCCT-ICS - NCCT Insurance and Coding Specialist tricks
NCCT-ICS - NCCT Insurance and Coding Specialist information source
NCCT-ICS - NCCT Insurance and Coding Specialist PDF Download
NCCT-ICS - NCCT Insurance and Coding Specialist certification
NCCT-ICS - NCCT Insurance and Coding Specialist Premium PDF
NCCT-ICS - NCCT Insurance and Coding Specialist PDF Download
NCCT-ICS - NCCT Insurance and Coding Specialist test success
NCCT-ICS - NCCT Insurance and Coding Specialist test Questions
NCCT-ICS - NCCT Insurance and Coding Specialist techniques
NCCT-ICS - NCCT Insurance and Coding Specialist PDF Questions
NCCT-ICS - NCCT Insurance and Coding Specialist test contents
NCCT-ICS - NCCT Insurance and Coding Specialist boot camp
NCCT-ICS - NCCT Insurance and Coding Specialist tricks
NCCT-ICS - NCCT Insurance and Coding Specialist information source
NCCT-ICS - NCCT Insurance and Coding Specialist Questions and Answers
NCCT-ICS - NCCT Insurance and Coding Specialist test contents
NCCT-ICS - NCCT Insurance and Coding Specialist test Cram
NCCT-ICS - NCCT Insurance and Coding Specialist Test Prep
NCCT-ICS - NCCT Insurance and Coding Specialist PDF Questions
NCCT-ICS - NCCT Insurance and Coding Specialist Real test Questions
NCCT-ICS - NCCT Insurance and Coding Specialist learn
NCCT-ICS - NCCT Insurance and Coding Specialist boot camp
NCCT-ICS - NCCT Insurance and Coding Specialist premium pdf
NCCT-ICS - NCCT Insurance and Coding Specialist test Questions
NCCT-ICS - NCCT Insurance and Coding Specialist tricks
NCCT-ICS - NCCT Insurance and Coding Specialist Free test PDF
NCCT-ICS - NCCT Insurance and Coding Specialist testing
NCCT-ICS - NCCT Insurance and Coding Specialist test cram

Other P-and-C Practice Tests


Florida-Property-and-Casualty trial questions | Property-and-Casualty test Questions | NCCT-ICS past exams | California-Property-and-Casualty pdf study guide | NY-Property-and-Casualty study guide |


Best practice tests You Ever Experienced


DES-1423 test cram | AZ-120 question test | DU0-001 questions answers | PMH-BC free practice tests | CLSSGB practice exam | ACCNS-N test Cram | MBLEX free questions | Salesforce-Certified-Marketing-Cloud-Consultant test prep | AVA test questions | RNC-OB free online test | 2B0-015 free questions | PMI-SP Practice Test | CAU305 mock questions | ACRP-CPI free pdf | RCDDv14 test questions | S2000-023 download | BCNS-CNS free pdf | IIA-CIA-Part3-3P Test Prep | ACHPN online exam | QSBA2021 prep questions |





References :


https://killexams-posting.dropmark.com/817438/23282446
http://killexams-braindumps.blogspot.com/2020/06/get-100-marks-with-ncct-ics-exam.html
https://www.instapaper.com/read/1323093660
http://feeds.feedburner.com/PassingTheNcct-icsExamIsSimpleWithKillexamscom
https://www.coursehero.com/file/67821819/NCCT-Insurance-and-Coding-Specialist-NCCT-ICSpdf/
https://youtu.be/pOsJlJDPvxA
https://sites.google.com/view/killexams-ncct-ics-exam-que
https://files.fm/f/fvurg3vsn



Similar Websites :
Pass4sure Certification test Practice Tests
Pass4Sure Certification Question Bank






Direct Download

NCCT-ICS Reviews by Customers

Customer Reviews help to evaluate the exam performance in real test. Here all the reviews, reputation, success stories and ripoff reports provided.

NCCT-ICS Reviews

100% Valid and Up to Date NCCT-ICS Exam Questions

We hereby announce with the collaboration of world's leader in Certification Exam Dumps and Real Exam Questions with Practice Tests that, we offer Real Exam Questions of thousands of Certification Exams Free PDF with up to date VCE exam simulator Software.

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