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 NCLEX-RN?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der NCLEX-RN: National Council Licensure Examination (NCLEX-RN) - 2023 Prüfung.

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NCLEX NCLEX-RN : National Council Licensure exam (NCLEX-RN) - 2023 exam Dumps

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Latest 2023 Updated NCLEX National Council Licensure exam (NCLEX-RN) - 2023 Syllabus
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Exam Number : NCLEX-RN
Exam Name : National Council Licensure exam (NCLEX-RN) - 2023
Vendor Name : NCLEX
Update : Click Here to Check Latest Update
Question Bank : Check Questions

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NCLEX-RN exam Format | NCLEX-RN Course Contents | NCLEX-RN Course Outline | NCLEX-RN exam Syllabus | NCLEX-RN exam Objectives


The National Council Licensure exam (NCLEX-RN® exam) has one purpose: To determine if it's safe for you to begin practice as an entry-level nurse. It is significantly different from any test that you took in nursing school. While nursing school exams are knowledge-based, the NCLEX-RN® tests application and analysis using the nursing knowledge you learned in school. You will be tested on how you can use critical thinking skills to make nursing judgments.



The NCLEX-RN® exam is organized according to the framework, "Meeting Client Needs." There are four major categories and eight subcategories. Many nursing programs are based on the medical model where students take separate medical, surgical, pediatric, psychiatric, and obstetric classes. However, on the NCLEX-RN® exam, all of the content is integrated.


Questions are primarily multiple-choice with four possible answer choices; however, there are also alternate question types. Alternate question types include multiple-response, fill-in-the-blank, hot spots, chart/exhibit and drag-and-drop. All questions involve integrated nursing content.

Let's look at the following question:

A 23-year-old woman with insulin dependent diabetes mellitus (IDDM) is returned to the recovery room one hour after an uneventful delivery of a 9 lb., 8 oz., baby boy. The nurse would expect the woman's blood sugar to

- rise

- fall

- remain stationary

- fluctuate

Is this an obstetrical question or a medical/surgical question=> In order to select the correct answer, (2), you must consider the pathophysiology of diabetes along with the principles of labor and delivery.


The first Client Needs Category, Safe and Effective Care Environment, includes two concepts:

Management of Care accounts for 17-23% of questions on the NCLEX-RN® exam. Some of the nursing actions included in this subcategory are Advanced Directives, Advocacy, Case Management, Client Rights, Concepts of Management, Confidentiality, Continuity of Care, Quality Improvement, Delegation, Establishing Priorities, Ethical Practice, Informed Consent, Legal Responsibilities, Referrals, and Supervision.

Safety and Infection Control accounts for 9-15% of exam questions. Nursing actions include Accident Prevention, Error Prevention, Hazardous Materials, Surgical Asepsis, Standard Precautions, and Use of Restraints.


The second Client Needs Category is Health Promotion and Maintenance. These questions account for 6-12% of the exam. Nursing actions tested include the Aging Process, Ante/Intra/Postpartum and Newborn Care, Developmental Stages and Transitions, Disease Prevention, Health Screening, Lifestyle Choices, Physical Assessment Techniques, Health Promotion Programs, High Risk Behaviors, and Self-Care.


The third Client Needs Category is Psychosocial Integrity. It accounts for 6-12% of the exam and tested nursing actions include Coping Mechanisms, Grief and Loss, Mental Health Concepts, Spiritual Influence on Health, Sensory/Perceptual Alterations, Stress Management, Support Systems, Therapeutic Communication, Chemical Dependency, Behavioral Interventions, Crisis Intervention, Coping Mechanisms, End of Life Care, and Family Dynamics.


The final Client Needs Category is Physiological Integrity. It includes four concepts:

Basic Care and Comfort accounts for 6-12% of questions on the NCLEX-RN® exam. Nursing actions included in this subcategory are Assistive Devices, Elimination, Mobility, Nonpharmacological Comfort Interventions, Nutrition and Oral Hydration, Personal Hygiene, as well as Rest and Sleep.

Pharmacological and Parenteral Therapies accounts for 12-18% of the exam. Tested nursing actions include Adverse Effects, Contraindications, Blood and Blood Products, Central Venous Access Devices, Chemotherapy, Expected Effects, Intravenous Therapy, Medication Administration, Pharmacological Pain Management, Total Parenteral Nutrition, and Dosage Calculation.

Reduction of Risk Potential accounts for 9-15% of the exam. Its tested nursing actions include Diagnostic Tests, Laboratory Values, Potential for Complications from Surgical Procedures and Health Alterations, as well as Therapeutic Procedures.

Physiological Adaptation accounts for 11-17% of the exam. Its tested nursing actions include Alterations in the Body Systems, Fluid and Electrolyte Imbalances, Hemodynamics, Medical Emergencies, Pathophysiology, and Unexpected Response to Therapies.



The NCLEX-RN® exam is pass/fail—there is no numerical score. A determination will be made at the conclusion of the exam as to whether you have passed or failed. However, the results will not be made available at the exam site. You'll be notified by your State Board of Nursing approximately 2-4 weeks after your test date.

Your first step is to submit an application to the National Council of State Boards of Nursing (NCSBN). You will be required to follow the procedures established by the individual State Boards of Nursing. Some states have combined registration for the NCLEX-RN® exam with the application for licensure. In all other states, you must apply for licensure with the State Board of Nursing in the state in which you wish to become licensed. Once you have applied, you will receive a Candidate Bulletin to register for the NCLEX-RN® exam.

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Best free PDF editors 2023: Their top picks

If you work with PDF files regularly then a PDF editor is an indispensable tool. Whether it’s part of your job, you manage PDF files for your own personal use, or you just need to complete a one-off editing task, a top editor program is an essential piece of software. Full-featured editors such as Adobe’s Acrobat Pro DC might provide all of the bells and whistles, but a free PDF editor can still offer most of the important tools of a paid service for no additional charge.

Plus, many free PDF editors are browser based, which means that you don’t need to worry about about platform- or device-compatibility issues.

Of course, free products won’t come with every feature of their premium counterparts. So, if you find that you need more advanced tools such as password protection, Bates numbering, or e-signatures, then you’re probably better served by a premium PDF editor.

PDF Candy – Best free PDF editor overall


  • Many advanced features
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  • Lacks a single interface, which some users may not like
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  • Price When Reviewed: Free

    PDF Candy is the rare free PDF editor that offers a lot of the features you’d typically have to pay for. We’re talking scanning, multiple file-conversion options, and OCR functionality. While the free version has access to the expansive toolset of the paid version, you’re limited to one PDF task per hour. For unfettered access, you need to shell out $6 month.

    Read their full PDF Candy review

    Apple Preview PDF editor – Best free PDF editor for Mac users


  • Full set of PDF markup tools
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    Mac users have an excellent PDF editor built right into their operating system. Although its ostensibly a photo viewer, macOS’s Preview app is rife with PDF-editing capabilities including tools for adding text and shapes, redacting content, making freehand drawings, inserting sticky notes, and capturing your signature using your trackpad, camera, or iPhone.

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  • Online and desktop versions available
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    Offered as both an online tool and a desktop editor, Sejda is capable of performing dozens of tasks including editing, form creation and filling, Bates stamping, file encryption, and more. If the daily usage limits are too restrictive for you, you can upgrade to the affordable paid version.

    Read their full Sejda PDF editor review What to look for in a free PDF editor
  • Content editing: As its name indicates, a PDF editor’s primary function is to enable you to edit a document. That includes the ability to add and modify text; insert, resize, and move images; and reorganize pages in the PDF. Most free PDF editors will let you perform these tasks, though they may impose daily limits on how many you can perform or how many documents you can edit.
  • Create, convert, and export PDFs: A common need for a PDF editor is to create PDF files from scanned hard copies or by converting digital documents. A good free PDF editor will be able to convert common file formats such as Word, JPG, and HTML to a PDF and preserve the original formatting. It should also be able to export PDFs into other editable formats such as Microsoft Word and PowerPoint, HTML, or plain text, maintaining the original files hyperlinks, images, and other elements.
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  • FAQ 1. Is there a difference between a PDF document and a PDF form?

    While there are a number of different types of PDF file formats, they all fall under the umbrella term of PDF documents. A PDF form is a type of PDF document that has editable form fields a user can fill out. Typically, parts of the document are static and can’t be changed in a PDF form. These usually include questions and instructions for those who end up filling out the form later on. In a PDF form, the content fields a user fills out are typically open to editing and can offer a list of possible answer options or can be written in freely.

    2. Are Word files and PDF documents different?

    Yes. They are two entirely different document formats. While you can export from one file format to another, they are not the same. Word file formats are usually used for word processing, editing, and making changes to text. PDF documents on the other hand, are most often utilized for viewing, sharing, and printing documents. Additionally, Word files can be read and/or written to and contain some version of the “.doc” file format. Whereas PDF files are typically read-only and contain the “.pdf” file format.

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    Yes. If you have a PDF document that you do not want anyone else to be able to edit, you can protect the file. You can do this by opening the file in Acrobat, clicking Tools > Protect. Then you have a few options as to whether you want to just restrict editing with a password, or if you want to encrypt the file for further safety. Once you choose how you want to protect the PDF document, you can set a password and save.

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    Yes, many free PDF editors such as their top pick PDF Candy, allow you to merge two or more PDFs into one. As most free PDF editors are browser-based, you will just need to open up the PDF editor application or website in your browser and click the “Merge” option. It will then ask you to add the files of all PDFs you wish to merge. Once the files have been added, just make sure that they are in the correct position and alignment you want before proceeding with the merge. Afterwards, all of your previously PDF files will be merged together into one new PDF document.

    5. Does Google have a free PDF editor?

    Yes and no. Google doesn’t provide a designated free PDF editor itself, but there are third-party Chrome extensions that you can use to help get the job done. Alternatively, you can make use of Google Drive to edit a PDF document. Simply upload the document onto your Google Drive and then select the file and right-click and select Open with > Google Docs. The file will be opened as an editable Google Docs text document. Then just make your edits and when you’re finished click File > download > PDF Document to revert it back to a PDF file.

    This method is a quick and easy way to edit a simple PDF document, but be careful as Google Docs can run into formatting issues if your original document has complex visual formatting such as tables and graphs. In this case, it’s best to use a designated free or premium PDF editor.

    IBPS PO Syllabus 2023: PDF Download, Prelims, Mains Topics, exam Pattern

    IBPS PO Syllabus 2023: The Institute of Banking Personnel Selection conducts prelims, mains, and interviews to recruit probationary officers in 11 participating banks for 3049 vacancies. Check IBPS PO Syllabus PDF download and exam Pattern here.

    IBPS PO Syllabus 2023: The Institute of Banking Personnel Selection (IBPS) releases an official IBPS PO notification every year to recruit eligible aspirants for Probationary Officer/ Management Trainee posts in the participating banks. The candidates are selected for IBPS PO posts based on the marks obtained in prelim, main, and interview. All interested and eligible candidates should download the latest IBPS PO syllabus and exam pattern and prepare their strategy accordingly.

    Along with the IBPS PO syllabus for prelims and mains, aspirants must be familiar with the IBPS PO exam pattern to know the exam format, number of questions, maximum marks, and marking scheme prescribed by the recruitment authority. Going by past exam analysis, it is found that the questions asked in the IBPS PO exam were of medium level. So, aspirants should adhere to the latest IBPS probationary officer syllabus for adequate preparation.

    Career Counseling

    In this blog, they have shared a detailed IBPS PO syllabus PDF, including the IBPS PO exam pattern, preparation strategy, and a list of the best books here.

    IBPS PO Syllabus 2023

    Here are the key highlights of the IBPS PO syllabus and exam pattern shared below for the ease of aspirants.

    IBPS PO Syllabus 2023

    Exam Conducting Body

    Institute of Banking Personnel Selection (IBPS)

    Post Name

    Probationary Officer/ Management Trainee




    IBPS PO Syllabus and exam Pattern

    Selection Process

    Prelims, Mains, and Interview

    Maximum Marks





    Prelims- 1 hour

    Mains- 3 hours and 30 minutes

    Negative Marking

    1/4th mark will be deducted for each incorrect answer.

    IBPS PO Syllabus 2023 PDF

    Aspirants must download the IBPS PO syllabus PDF from the link shared below to get familiar with the exam-relevant Topics for each section in the exam. Get the direct link to download the IBPS PO Syllabus below:

    IBPS PO Prelims Syllabus 2023

    The IBPS PO Prelims syllabus is divided into three subjects, i.e., English Language, Quantitative Aptitude, and Reasoning Ability. Check the subject-wise IBPS PO syllabus PDF for the preliminary exam discussed below.

    IBPS PO Prelims Syllabus 2023


    Important Topics

    Quantitative Aptitude

    Simplification/ Approximation


    Number Systems

    Profit and Loss

    Permutation and Combination


    Time and Work

    Speed, Time and Distance

    Mixtures and Alligations

    Data Interpretation

    Sequence and Series

    Ratio and Proportion

    Simple Interest and Compound Interest

    Mensuration-Cylinder, Cone, Sphere

    Surds and Indices, etc

    Reasoning Ability

    Data Sufficiency

    Alphanumeric Series

    Coded Inequalities




    Logical Reasoning

    Alphabet Test

    Ranking and Order



    Seating Arrangement

    Blood Relations

    Input-Output, etc

    English Language

    Reading Comprehension

    Fill in the blanks

    Cloze Test

    Para jumbles

    Tenses Rules


    Sentence Completion

    Multiple Meaning /Error Spotting

    Paragraph Completion, etc

    IBPS PO Mains Syllabus 2023

    The IBPS PO Mains syllabus is divided into four subjects, i.e.,  Reasoning & Computer Aptitude, General/ Economy/ Banking Awareness, English Language, and Data Analysis & Interpretation. Check the subject-wise IBPS PO syllabus PDF for the main exam shared below.

    IBPS PO Mains Syllabus 2023



    Data Analysis & Interpretation

    Tabular Graph

    Let it Case DI

    Line Graph

    Charts & Tables

    Missing Case DI

    Bar Graph

    Radar Graph Caselet


    Permutation and Combination

    Data Sufficiency

    Pie Charts, etc

    Reasoning and Computer Aptitude

    Verbal Reasoning

    Input Output

    Blood Relations


    Circular Seating Arrangement

    Double Lineup


    Linear Seating Arrangement

    Critical Reasoning

    Directions and Distances

    Ordering and Ranking

    Analytical and Decision Making

    Code Inequalities

    Data Sufficiency

    Coding and Decoding

    Course of Action


    Computer Abbreviation

    Computer Fundamentals /Terminologies


    Keyboard Shortcuts


    Number System

    Microsoft Office

    Computer Software

    Basic of Logic Gates

    Computer Hardware

    Operating System, etc

    General/Economy/Banking Awareness

    Current Affairs

    Financial Awareness

    Banking Awareness

    General Knowledge

    Banking Terminologies Knowledge

    Static Awareness

    Principles of Insurance, etc

    English Language

    Reading Comprehension


    Word Association

    Error Spotting

    Sentence Improvement

    Cloze Test

    Para Jumbles


    Verbal Ability

    Fill in the blanks, etc

    Weightage of IBPS PO Syllabus 2023
  • The IBPS PO preliminary exam comprises three objective-type papers for 100 marks and will be conducted online. The medium of question paper is English and Hindi, except English Language paper.
  • The IBPS PO main exam will be held online and comprises Objective Tests for 200 marks and Descriptive Tests for 25 marks.
  • There will be a negative marking of 1/4th mark or 0.25 marks for incorrect answers marked in objective papers.
  • The interview round will be conducted for 100 marks.
  • IBPS PO Prelims exam Pattern 2023


    Number of Question

    Maximum Marks



    Quantitative Aptitude



    English and Hindi

    20 minutes

    Reasoning Ability



    English and Hindi

    20 minutes

    English Language




    20 minutes





    1 hour

    IBPS PO Mains exam Pattern 2023


    Number of Question

    Maximum Marks



    Data Analysis and Interpretation



    English and Hindi

    45 minutes

    Reasoning and Computer Aptitude



    English and Hindi

    60 minutes

    General/Economy/Banking Awareness



    English and Hindi

    35 minutes

    English Language




    40 minutes





    3 hours

    Descriptive Paper-English Language (Letter Writing and Essay)




    30 minutes

    How to Cover IBPS PO Syllabus 2023?

    IBPS PO is one of the most popular recruitment exams in the country. A huge number of candidates appear for this exam every year, making it highly competitive. So, aspirants should carefully check the IBPS PO syllabus to know section-wise Topics that need to be studied for the exam. Here is the list of best tips and tricks to crack the IBPS Probationary Officer exam in one attempt.

  • Analyse the IBPS PO syllabus and exam pattern carefully and create a study schedule as per the weightage of each topic.
  • Choose the best IBPS PO books and online resources to get a strong grip on the concepts of all the important topics.
  • Attempt mock papers and IBPS PO previous year's question papers to assess the strong and weak areas and allocate more time to the areas that require improvement.
  • Revise all the covered topics, formulas, short-cut techniques, etc to retain concepts for a longer period.
  • Best Books for IBPS PO Syllabus 2023

    Candidates should pick the best IBPS PO books for every subject based on the latest pattern and curriculum. The right books and online resources will help them to cover all the chapters mentioned in the subject-wise IBPS PO syllabus. The list of best IBPS PO exam books is shared below:

    IBPS PO Books 2023


    Book Names


    Objective General English by SP Bakshi

    Quantitative Aptitude

    Quantitative Aptitude for Competitive exam by RS Aggarwal

    Quantitative Aptitude for Competitive exam by Abhijit Guha

    How to Prepare for Quantitative Aptitude by Arun Sharma

    Fast Track Objective Arithmetic by Rajesh Verma


    A Modern Approach to Verbal and Non Verbal Reasoning by RS Aggarwal

    How to Prepare for Logical Reasoning for the CAT by Arun Sharma

    Verbal and Non-Verbal Reasoning by Kiran Publication

    Computer Aptitude

    Objective Computer Awareness by Arihant Experts

    Objective Computer Awareness by S.N. Prasad 

    General Awareness

    Banking Awareness by Mammen Mathew

    Banking Awareness by Arihant Publication

    The Person GK Manual by Pearson Publication

    FAQ How to prepare for IBPS PO Syllabus?

    To excel in the IBPS PO exam, one must understand the IBPS PO syllabus, develop conceptual clarity, and attempt mock tests and trial papers to obtain favourable results.

    What is the IBPS PO 2023 exam Pattern?

    As per the IBPS PO exam pattern, the preliminary exam comprises three objective-type papers. The preliminary exam comprises 100 questions for 100 marks. The exam duration is 1 hour.

    What is IBPS PO Syllabus for mains?

    The IBPS PO Mains syllabus is divided into four subjects, i.e., Reasoning & Computer Aptitude, General/ Economy/ Banking Awareness, Data Analysis & Interpretation, and English Language

    What is IBPS PO Syllabus for prelims exam?

    The IBPS PO Prelims syllabus is divided into three subjects, i.e., English Language, Quantitative Aptitude, and Reasoning Ability.

    Is there any negative marking in IBPS PO 2023 Exam?

    Yes. There will be a negative marking of 1/4th or 0.25 marks for every incorrect response in the IBPS PO 2023 exam.

    What is IBPS PO Syllabus 2023?

    The IBPS PO Prelims syllabus is divided into three subjects, i.e., English Language, Quantitative Aptitude, and Reasoning Ability. The IBPS PO Mains syllabus is divided into four subjects, i.e., Reasoning & Computer Aptitude, General/ Economy/ Banking Awareness, Data Analysis & Interpretation, and English Language.

    Kerala DHSE Plus One Revaluation Result 2023 Announced; download PDF Here

    Plus One Revaluation Result 2023: The Directorate of Higher Secondary Education (DHSE) has announced the Kerala Plus One revaluation result 2023. Aspirants can access their updated results on the official DHSE websites - dhsekerala.gov.in or keralaresults.nic.in. To view their revised Kerala +1 result 2023, students need to enter their roll number and date of birth.The revaluation results are available in PDF format, and the DHSE is responsible for conducting the revaluation process. The DHSE Plus One revaluation and scrutiny result 2023 has been released in a convenient PDF format on the official portal at dhsekerala.gov.in.For candidates to check their Kerala Plus One result 2023, they must utilize their registration number. The Directorate has issued three notifications related to the Kerala first-year revaluation result 2023, encompassing scrutiny, changed marks in the revaluation result, and the refund list.Prior to this, on June 13, the Board had declared the Kerala Plus One result 2023, which recorded an overall pass percentage of 82.95 per cent. Following the announcement, students were given the opportunity to apply for the Kerala Plus One revaluation or scrutiny process.This initiative by the DHSE offers students a chance to review and reassess their performance, ensuring that their hard work is justly acknowledged. The revaluation process provides an opportunity for those who feel their marks might have been undervalued to have their answer sheets reevaluated.Here are the steps to download the DHSE Kerala Plus One Revaluation Result PDFStep 1: Open your web browser and go to the official website of DHSE Kerala - dhsekerala.gov.in. Step 2: Look for the "Results" or "Exams" section on the homepage and click on it.Step 3: In the results section, find the link for "Kerala Plus One Revaluation Result 2023" and click on it.Step 4: You will be redirected to a new page where you need to enter your roll number and date of birth.Step 5: After entering the required details, click on the "Submit" or "Check Result" button.Step 6: The DHSE Kerala Plus One Revaluation Result 2023 in PDF format will be displayed on the screen. You can download the PDF by clicking on the download button or by using the "Save as PDF" option in your browser.

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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