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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Medical NCCT-TSC : NCCT Technician in Surgery ACTUAL EXAM QUESTIONS

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Exam Number : NCCT-TSC
Exam Name : NCCT Technician in Surgery
Vendor Name : Medical
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NCCT-TSC test Format | NCCT-TSC Course Contents | NCCT-TSC Course Outline | NCCT-TSC test Syllabus | NCCT-TSC test Objectives

Test Detail:
The NCCT-TSC (National Certified Medical Assistant Technician in Surgery) test is designed to assess the knowledge and skills of individuals aspiring to become certified surgical technicians. This test evaluates their understanding of surgical procedures, sterile techniques, patient care, and surgical equipment. The following description provides an overview of the NCCT-TSC exam.

Number of Questions and Time:
The NCCT-TSC test typically consists of approximately 160 multiple-choice questions. The exact number of questions may vary. Candidates are given 3 hours (180 minutes) to complete the exam. The passing score is typically set by the NCCT and may vary depending on the test version and updates.

Course Outline:
To prepare for the NCCT-TSC exam, candidates can enroll in training programs that cover the key subjects and competencies required for surgical technology. These courses provide a comprehensive understanding of surgical procedures, sterile techniques, patient care, and surgical equipment. The course outline may include the following topics:

1. Surgical Procedures:
- Preoperative, intraoperative, and postoperative procedures
- Surgical instruments and equipment
- Surgical site preparation and draping
- Wound closure techniques
- Handling specimens

2. Sterile Techniques:
- Principles of asepsis and sterile field maintenance
- Sterilization methods and techniques
- Surgical hand scrubbing and gowning
- Surgical site infection prevention
- Safe handling and disposal of surgical instruments and supplies

3. Patient Care:
- Patient positioning and transportation
- Patient monitoring during surgery
- Anesthesia administration and monitoring
- Patient safety and comfort
- Intraoperative emergencies and crisis management

4. Surgical Equipment and Technology:
- Operating room setup and organization
- Surgical power tools and equipment
- Surgical imaging technology
- Endoscopic and laparoscopic equipment
- Robotics in surgery

Exam Objectives:
The NCCT-TSC test aims to evaluate the candidate's knowledge and skills in surgical technology. The test objectives include the following:

1. Understanding surgical procedures and their steps.
2. Applying sterile techniques and maintaining a sterile field.
3. Providing patient care and ensuring patient safety during surgery.
4. Handling and using surgical instruments, equipment, and supplies.
5. Operating and troubleshooting surgical technology and equipment.
6. Adhering to professional and ethical standards in surgical technology practice.

Exam Syllabus:
The NCCT-TSC test syllabus covers the key subjects and competencies required to excel in surgical technology. The syllabus includes the following areas of study:

- Surgical procedures and techniques
- Sterile techniques and aseptic practices
- Patient care during surgery
- Surgical instruments and equipment
- Surgical technology and advanced surgical procedures

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    Ophthalmic Medical Technician Salary

    No result found, try new keyword!How Much Does an Ophthalmic Medical Technician Make? Ophthalmic Medical Technicians made a median salary of $37,180 in 2021. The best-paid 25% made $46,700 that year, while the lowest-paid 25% ...

    Retired Air Force sergeant served 20 years as a medical technician

    WICHITA, Kan. (KSNW) – Working in aerospace medicine and as a nationally registered EMT, Sergeant Derrick Judkins traveled the world, assisted surgeons, and treated their nation’s wounded. He was deployed to Operation Desert Storm, Operation Desert Shield, to multiple campaigns in between.

    After scoring high on the Air Force Armed Services Vocational Aptitude Battery (ASVAB) test, young Derrick Judkins saw being a medical technician as his ticket out of Detroit.

    “I was ready to get out of Detroit at the time, so I says, ‘You know what, I’m going to go the non-traditional.’ College… Military… So, I went military. And it was the best decision I ever made, to be honest with you,” said Judkins.

    Courtesy: Derrick Judkins

    His 20-year military career began with basic training at Lackland Air Force Base. He was stationed in Omaha when his unit was deployed to the Gulf War.

    “I call him ‘Big George,'” Judkins said of President George H. W. Bush. “Yeah, that was the first one. Desert Storm, and that’s when they sent us over in the sandbox. That was when I guess you’d be saying things get real.”

    Judkins said a contingency hospital was set up behind the front lines.

    “Where they were stationed at, they weren’t directly in the line of fire, but they were in a position where they were taking care of the individuals that may have been injured or what have you,” said Judkins.

    During a six-year stint at Wright Patterson Air Force Base in Ohio, Judkins treated wounded soldiers in a hyperbaric chamber.

    Courtesy: Derrick Judkins

    “They put us in a chamber because the increased amount of oxygen is healing,” explained Judkins. “Like every other week or so, they were getting in with patients that needed wound care or wound therapy.”

    Judkins picked up a few unique skills while working as a medical technician.

    “I was asked, ‘How many jobs have you had?’ Even just in the military… aerospace medicine, public health, Honor Guard. I’ve caught mosquitoes when the West Nile virus was going. That was part of public health. Man, I can identify a female mosquito and a male mosquito. All of that stuff made a difference in that little piece of the job. It was integral to the mission at hand,” said Judkins.

    His last assignment was a stop at McConnell Air Force Base in Wichita in 2007, where he worked in public health. 

    So, what was the most rewarding part of Judkins’ military career?

    “The Honor Guard. Honor Guard was the most rewarding to me because that was a memory that you were leaving with the family. Maybe the last time seeing their loved one in a military state like that. Whether it be an active-duty funeral or retirement. That satisfaction or the gratification that you get from folding that flag and getting down on one knee and starting off ‘On behalf of the United States of America.’ That was big to me because it was something that you had to look at that person or that next of kin in their eye, and you saw that, and they were so appreciative of that. So, that was huge to me,” said Judkins.

    Judkins retired from McConnell AFB at age 38, and he settled in Wichita. Now, he works as a clinical liaison for a long-term care company.

    If you want to nominate a veteran for their Veteran Salute, email KSN reporter Jason Lamb at jason.lamb@ksn.com.


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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