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 Lee



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 exams (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

Free NCCT-ICS Study Guides Questions by killexams.com
Passing the NCCT-ICS exam is not as simple as just studying course books. There are numerous tricky questions that can lead to failure. At killexams.com, they have taken care of this by collecting NCCT-ICS boot camp and updating NCCT-ICS Question Bank on a regular basis. Candidates can download and memorize these materials before attempting the actual NCCT-ICS exam.

There are numerous companies online offering Exam Cram, but unfortunately, most of them are reselling outdated dumps. It's crucial to find a reliable and trustworthy provider of NCCT-ICS Cram Guide online. You can choose to study on your own or put your trust in killexams.com. However, it's important to ensure that your study efforts don't go to waste. They recommend going straight to killexams.com, where you can download 100% free NCCT-ICS Cram Guide and assess the trial questions. If you're satisfied, sign up and get a three-month account to download the latest and valid NCCT-ICS Exam Questions with real test questions and answers. Don't forget to take advantage of their excellent discount coupons. Also, make sure to get NCCT-ICS VCE test simulator for practice.

If you're in search of the latest and 2025 updated test deposits to pass P-and-C NCCT-ICS exam and land a high-paying job, then simply register at killexams.com with exclusive discount coupons to download 2025 updated actual NCCT-ICS questions. Their team of experts is working hard to provide real NCCT-ICS test questions that will help you pass the exam. You can download the updated NCCT-ICS test questions anytime with a 100% money-back guarantee. Many companies offer NCCT-ICS Exam Questions, but finding a valid and latest 2025 up-to-date NCCT-ICS Latest Topics can be a challenge. Therefore, think twice before relying on free dumps available online.







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


Test Detail:
The NCCT-ICS (NCCT Insurance and Coding Specialist) exam is a certification exam 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 exam 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 courses 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 courses 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 exam assesses candidates' knowledge and skills in medical insurance and coding. The exam 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 courses 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.
- exam preparation and practice tests.
- Final NCCT-ICS Insurance and Coding Specialist Certification Exam.



Killexams Review | Reputation | Testimonials | Feedback


Need something for quick preparation for the NCCT-ICS test.
Thanks to killexams.com, I was able to pass the NCCT-ICS exam with a score of 89%. Their exam arrangement was spot on and helped me tremendously.


I want actual test questions for the updated NCCT-ICS exam.
If you are looking for comprehensive and effective preparation for the NCCT-ICS exam, I highly recommend killexams.com. Their exam solution is top-notch and can significantly enhance your chances of passing the exam. I can personally attest to this, having passed my NCCT-ICS exam with their help and obtained my NCCT-ICS certificate.


No problem! Three days of preparation with NCCT-ICS practice exams is required.
During my preparation for the NCCT-ICS exam, my primary resource was killexams.com Questions and Answers. I was able to answer 87 questions in just 55 minutes and pass with flying colors. I am indebted to killexams.com for their outstanding Practice Tests, which proved to be instrumental in my success.


I'm happy to know that the latest NCCT-ICS practice exams are available right here.
I can confidently say that killexams.com offers the best test-prep on the market. With their study material, I was able to pass my NCCT-ICS exam without difficulty, with only one question remaining unseen in the exam. The detailed explanations provided for each answer in their practice exams make their product much more valuable than a typical brain-dump. Coupled with conventional studies and an exam simulator, killexams.com's material is a precious tool for advancing one's career.


It is an excellent idea to study for the NCCT-ICS exam with practice tests.
killexams.com is a dependable indicator of college students and customer's functionality for the NCCT-ICS exam.


P-and-C Specialist questions

NCCT-ICS Exam

User: Nada*****

The exam preparation package from killexams.com was worth every penny, as I scored 94% on the NCCT-ICS exam. Every question was valid and appeared on the actual exam, which is remarkable. I am impressed by killexams.com ability to maintain this level of excellence over the years. My cousin had a similar positive experience using their materials for an IT exam.
User: Zorin*****

Preparing for NCCT INSURANCE AND CODING SPECIALIST exams can be an arduous task for most applicants, taking months of hard work and dedication. However, I was able to complete my preparation within a day, thanks to the valuable resources provided by Killexams.com. The website was a great support to me, and I was able to complete my NCCT INSURANCE AND CODING SPECIALIST exam quickly and easily. I am truly grateful for their invaluable assistance.
User: Théo*****

I recently became ncct-ics certified, and I owe it all to Killexams. Their resources were extremely helpful, and I never looked back once I found them. I highly recommend their Questions Answers to anyone preparing for the ncct-ics exam.
User: Tania*****

I achieved High Marks in my NCCT-ICS exam, and I have to credit my success to Killexams.com. Every time I registered with them, my scores improved. It is fantastic to have the support of Killexams.com query economic institution for these types of tests. Thank you to everyone involved.
User: Ximena*****

I am grateful to killexams.com for providing me with the study materials that helped me pass the ncct-ics exam with an 80% score. I was skeptical at first, but my certification exam proves the effectiveness of the materials. Thank you so much, killexams.com, from Thomas in Calgary, Canada.

NCCT-ICS Exam

Question: What is exam code or exam number?
Answer: Exam Code or exam Number is the exam identification that is recognized by test centers like Prometric, Pearson, or many others. For example, SAA-C01 is the exam center code for the Amazon AWS Certified Solutions Architect exam. You can search for your required exam from the killexams.com website with exam code or exam name. If you do not find your required exam, write the shortest query like Amazon to see all exams from Amazon or IBM to see all exams from IBM in the search box.
Question: I have passed my exam and want to close my account, How to do it?
Answer: Although there is no automatic renewal of your exam products, if you still want to close the account, you should write an email to support from your registered email address and write your order number. Usually, it takes 24 hours for their team to process your request.
Question: How long prep is required to pass NCCT-ICS exam?
Answer: If you have more time to study, you can practice more with NCCT-ICS questions and get ready to take the test in 24 to 48 hours. But they recommend taking your time to study and practice NCCT-ICS practice exam until you are sure that you can answer all the questions that will be asked in the actual NCCT-ICS exam.
Question: Should I try this great source of NCCT-ICS updated dumps?
Answer: We insist you experience killexams test prep and study guides for your NCCT-ICS exam because these NCCT-ICS practice exam are specially collected to ease the NCCT-ICS exam questions when asked in the actual test. You will get good scores on the exam.
Question: What is purpose of NCCT-ICS dumps?
Answer: The purpose of NCCT-ICS questions is to provide to the point knowledge of exam questions rather than going through huge NCCT-ICS course books and contents. These questions contain actual NCCT-ICS questions and answers. By studying and understanding the complete dumps questions greatly improves your knowledge about the core courses of the NCCT-ICS exam. It also covers the latest syllabus. These exam questions are taken from NCCT-ICS actual exam source, that's why these exam 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 questions are sufficient to pass the exam.
P-and-C+Specialist+questions
https://www.pass4surez.com/art/read.php?keyword=P-and-C+Specialist+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 exam dumps 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 exam simulator. Visit Killexams.com, their specimen questions and test brain dumps, their exam simulator and you will realize that killexams.com is the best brain dumps site.

Which is the best practice exams website?
Without a doubt, Killexams is totally legit together with fully good. There are several features that makes killexams.com traditional and genuine. It provides up-to-date and totally valid exam questions that contain real exams questions and answers. Price is very low as compared to a lot of the services online. The Questions Answers are updated on common basis using most recent questions. Killexams account setup and products delivery is extremely fast. Computer file downloading is unlimited and incredibly fast. Support is avaiable via Livechat and Electronic mail. These are the features that makes killexams.com a strong website that include exam prep with real exams questions.



Is killexams.com test material dependable?
There are several Questions Answers provider in the market claiming that they provide actual exam 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 download sites or reseller sites. Thats why killexams.com update exam Questions Answers with the same frequency as they are updated in Real Test. exam 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 exam Fast with improvement in your knowledge about latest course contents and courses of new syllabus, They recommend to download PDF exam Questions from killexams.com and get ready for actual 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 Questions Answers will be provided in your download Account. You can download Premium practice exam files as many times as you want, There is no limit.

Killexams.com has provided VCE practice exam Software to Practice your exam by Taking Test Frequently. It asks the Real exam 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 actual Test. Go register for Test in Exam Center and Enjoy your Success.




HPE0-S58 training material | PCDRA exam Questions | USMLE practice questions | DEA-5TT1 exam Questions | SVC-19A free pdf | Agile-Foundation study guide | 4A0-C01 practical test | C2090-558 writing test questions | DP-300 english test questions | PANRE boot camp | JN0-413 Questions Answers | 212-055 practice exam | DSST-HRM mock exam | 2B0-023 study guide | PB0-200 mock test | PCCN study guide | 7392X trial test | C1000-169 test questions | CECP practice exam | H12-311 study help |


NCCT-ICS - NCCT Insurance and Coding Specialist PDF Questions
NCCT-ICS - NCCT Insurance and Coding Specialist techniques
NCCT-ICS - NCCT Insurance and Coding Specialist techniques
NCCT-ICS - NCCT Insurance and Coding Specialist actual Questions
NCCT-ICS - NCCT Insurance and Coding Specialist exam
NCCT-ICS - NCCT Insurance and Coding Specialist PDF questions
NCCT-ICS - NCCT Insurance and Coding Specialist testing
NCCT-ICS - NCCT Insurance and Coding Specialist real questions
NCCT-ICS - NCCT Insurance and Coding Specialist practice tests
NCCT-ICS - NCCT Insurance and Coding Specialist exam success
NCCT-ICS - NCCT Insurance and Coding Specialist Premium PDF
NCCT-ICS - NCCT Insurance and Coding Specialist course outline
NCCT-ICS - NCCT Insurance and Coding Specialist exam syllabus
NCCT-ICS - NCCT Insurance and Coding Specialist Real exam Questions
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 Practice Test
NCCT-ICS - NCCT Insurance and Coding Specialist information search
NCCT-ICS - NCCT Insurance and Coding Specialist test
NCCT-ICS - NCCT Insurance and Coding Specialist PDF questions
NCCT-ICS - NCCT Insurance and Coding Specialist exam syllabus
NCCT-ICS - NCCT Insurance and Coding Specialist Free exam PDF
NCCT-ICS - NCCT Insurance and Coding Specialist PDF Download
NCCT-ICS - NCCT Insurance and Coding Specialist Study Guide
NCCT-ICS - NCCT Insurance and Coding Specialist Study Guide
NCCT-ICS - NCCT Insurance and Coding Specialist certification
NCCT-ICS - NCCT Insurance and Coding Specialist guide
NCCT-ICS - NCCT Insurance and Coding Specialist exam syllabus
NCCT-ICS - NCCT Insurance and Coding Specialist Premium PDF
NCCT-ICS - NCCT Insurance and Coding Specialist questions
NCCT-ICS - NCCT Insurance and Coding Specialist teaching
NCCT-ICS - NCCT Insurance and Coding Specialist test questions
NCCT-ICS - NCCT Insurance and Coding Specialist exam syllabus
NCCT-ICS - NCCT Insurance and Coding Specialist exam Questions
NCCT-ICS - NCCT Insurance and Coding Specialist exam contents
NCCT-ICS - NCCT Insurance and Coding Specialist PDF Download
NCCT-ICS - NCCT Insurance and Coding Specialist cheat sheet
NCCT-ICS - NCCT Insurance and Coding Specialist questions
NCCT-ICS - NCCT Insurance and Coding Specialist exam Questions
NCCT-ICS - NCCT Insurance and Coding Specialist test questions
NCCT-ICS - NCCT Insurance and Coding Specialist Premium PDF
NCCT-ICS - NCCT Insurance and Coding Specialist certification
NCCT-ICS - NCCT Insurance and Coding Specialist tricks
NCCT-ICS - NCCT Insurance and Coding Specialist real questions

Other P-and-C Practice Tests


NCCT-ICS study material | Florida-Property-and-Casualty Latest Topics | California-Property-and-Casualty past exams | NY-Property-and-Casualty study guide | Property-and-Casualty test prep |


Best practice exams You Ever Experienced


AZ-120 free study guide | ACE-A1.2 practical test | 412-79v10 exam Cram | NCPT Practice Questions | CHPNA pdf exam | JN0-231 exam cram | 156-560 exam papers | C1000-151 questions and answers | CPHRM cram book | CSSBB exam test | Okta-Certified-Administrator free exam papers | NBCOT-OTR boot camp | HANCB-ACRN english test questions | CCI test prep | ASM exam preparation | CWCN mock questions | PDPF Test Prep | NLN-CNEcl pass exam | ECBA test prep | C1000-065 pass marks |





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 exam 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