Was ist das eigentlich? Cyberrisiken verständlich erklärt
Es wird viel über Cyberrisiken gesprochen. Oftmals fehlt aber das grundsätzliche Verständnis, was Cyberrisiken überhaupt sind. Ohne diese zu verstehen, lässt sich aber auch kein Versicherungsschutz gestalten.
Beinahe alle Aktivitäten des täglichen Lebens können heute über das Internet abgewickelt werden. Online-Shopping und Online-Banking sind im Alltag angekommen. Diese Entwicklung trifft längst nicht nur auf Privatleute, sondern auch auf Firmen zu. Das Schlagwort Industrie 4.0 verheißt bereits eine zunehmende Vernetzung diverser geschäftlicher Vorgänge über das Internet.
Anbieter von Cyberversicherungen für kleinere und mittelständische Unternehmen (KMU) haben Versicherungen die Erfahrung gemacht, dass trotz dieser eindeutigen Entwicklung Cyberrisiken immer noch unterschätzt werden, da sie als etwas Abstraktes wahrgenommen werden. Für KMU kann dies ein gefährlicher Trugschluss sein, da gerade hier Cyberattacken existenzbedrohende Ausmaße annehmen können. So wird noch häufig gefragt, was Cyberrisiken eigentlich sind. Diese Frage ist mehr als verständlich, denn ohne (Cyber-)Risiken bestünde auch kein Bedarf für eine (Cyber-)Versicherung.
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Exam Number : NNAAP-NA
Exam Name : NNAAP Nurse Aide
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NNAAP-NA exam Format | NNAAP-NA Course Contents | NNAAP-NA Course Outline | NNAAP-NA exam Syllabus | NNAAP-NA exam Objectives
Test Detail:
The NNAAP-NA (Nurse Aide) exam is a certification exam designed to evaluate the knowledge and skills of individuals seeking to become certified nurse aides. The exam assesses the candidate's understanding of fundamental nursing skills, patient care, and ethical practices in the healthcare setting.
Course Outline:
The NNAAP-NA course provides comprehensive training on the essential knowledge and skills required to become a certified nurse aide. The course covers various courses related to patient care, infection control, safety procedures, communication, and ethical considerations. While the specific course content may vary, the following is a general outline of the key courses covered:
1. Introduction to Nursing Assistant:
- Roles and responsibilities of a certified nurse aide.
- Ethical and legal considerations in patient care.
- Communication skills and professionalism in healthcare.
2. Basic Nursing Skills:
- Patient hygiene and grooming.
- Assisting with activities of daily living (ADLs).
- Vital signs measurement and documentation.
3. Infection Control:
- Understanding and implementing standard precautions.
- Proper hand hygiene techniques.
- Handling and disposal of infectious materials.
4. Safety Procedures:
- Patient mobility and transfer techniques.
- Fall prevention strategies.
- Emergency procedures and response.
5. Patient Care and Comfort:
- Providing emotional support and empathy to patients.
- Assisting with nutrition and feeding.
- Assisting with elimination and toileting.
6. Special Care Considerations:
- Caring for patients with cognitive impairments.
- End-of-life care and palliative measures.
- Assisting patients with medical devices and equipment.
Exam Objectives:
The NNAAP-NA exam assesses the candidate's knowledge and skills in the following areas:
1. Patient Care Skills:
- Demonstrating proficiency in providing basic nursing care and assisting with activities of daily living.
- Applying proper infection control practices and maintaining a clean and safe environment.
2. Communication and Professionalism:
- Exhibiting effective communication skills with patients, families, and healthcare professionals.
- Maintaining professional conduct and adhering to ethical standards in patient care.
3. Safety and Emergency Procedures:
- Understanding and implementing safety measures to prevent accidents and injuries.
- Responding appropriately to emergencies and following established protocols.
4. Patient Comfort and Support:
- Providing compassionate and respectful care to patients.
- Assisting patients with their physical and emotional needs.
Syllabus:
The NNAAP-NA course syllabus provides a detailed breakdown of the courses covered in the training program. It includes specific learning objectives, practical skills demonstrations, and clinical practice requirements. The syllabus may cover the following areas:
- Introduction to Nursing Assistant
- Basic Nursing Skills
- Infection Control
- Safety Procedures
- Patient Care and Comfort
- Special Care Considerations
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Indian Air Force Agniveer Syllabus 2023 PDF: download exam Pattern, CASB, PET, Medical TestIndian Air Force Agniveer Syllabus 2023 PDF: download the IAF Agniveer Vayu exam pattern and syllabus. The online test will be held for the recruitment of 3500+ vacancies. Indian Air Force Agniveer Vayu exam Pattern and Syllabus 2023: The Indian Air Force will recruit 3500+ vacancies for the Agniveer post through Air Force Agneepath Vayu exam (01/2024). Candidates planning to take the Indian Air Force Agniveer exam should carefully review the syllabus provided in the official notice by the Indian Air Force. This syllabus outlines the subject areas from which the examination questions will be drawn. Familiarizing themselves with the exam pattern and syllabus will enable candidates to grasp the exam's requirements and enhance their preparation effectively. Check Indian Air Force Agniveer Vayu Eligibility Criteria 2023 In this article, they have shared complete details on the Indian Air Force Agniveer Vayu syllabus for the computer-based exam and the Indian Air Force Agniveer selection process, preparation strategy, and best books in detail. 
Check Indian Air Force Agniveer Vayu Salary 2023 Indian Air Force Agniveer Vayu Syllabus and exam Pattern 2023: OverviewCandidates must thoroughly analyse the Indian Air Force Agniveer Vayu syllabus and exam pattern to cover all the important courses from the exam perspective. Here are the key highlights of the Indian Air Force Agniveer Vayu syllabus and exam pattern shared below for the reference of the candidates: Indian Air Force Agniveer Vayu Syllabus and exam Pattern 2023 Overview Exam Conducting Body Indian Air Force Post Name Agniveer Vayu Vacancies 3500+ vacancies Category Indian Air Force Agniveer Vayu syllabus and exam pattern Selection Process Written Exam, CASB, PET, PMT, Adaptability Test-I, and II, Document Verification, and Medical Exam Exam Mode Online Marking Scheme +1 mark -0,25 mark Duration Varies as per post Indian Air Force Agniveer Vayu Selection Process 2023The Air Force Agneepath recruitment scheme for 2023 will comprise six stages in its selection process: Check AFCAT 2023 Eligibility Criteria Indian Air Force Agniveer Vayu exam Pattern 2023Check the detailed exam pattern for the Indian Air Force Agniveer Vayu online test as discussed below: Indian Air Force Agniveer exam Pattern 2023 Name of the Group Subjects No. of Questions Maximum Marks Exam Duration Science English 20 70 60 minutes Mathematics 25 Physics 25 Other than Science Reasoning & General Awareness 30 50 45 minutes English 20 Science & Other than Science Mathematics 25 100 85 minutes English 20 Reasoning & General Awareness 30 Physics 25 Note: The Indian Air Force Agniveer Vayu Syllabus PDF is divided into three groups i.e., Science, other than Science, and Science & other than Science. Aspirants must be well-acquainted with the Indian Air Force Agniveer syllabus to cover all the aspects of the exam. Check the subject-wise Indian Air Force syllabus 2023 for Agniveer below: Subjects Topics English Word Formation (nouns from verbs, adjectives, etc.) Preposition Determiners Clauses (noun, adverb & relative clauses) Subject-verb concord Verb formation and error in their use Noun & Pronoun Conjunction Synonyms Antonyms Adverb Modals Spelling errors Idioms and phrases Sentence transformation (simple, negative, compound, complex, etc.) One-word substitution Mathematics Definite and Indefinite integrals Differential equations 3-Dimensional geometry Binomial Theorem Application of derivatives Application of integrals Cartesian system of rectangular coordinates Circles and family of circles Complex numbers Conic sections Trigonometry Trigonometric functions Differentiation Limit and continuity Linear Equations Linear programming Matrices and Determinants Permutation and Combination Mathematical induction Mathematical reasoning Sets, relations, and functions Statistics Probability Quadratic equations Sequence and series Straight lines and family of lines Vector Reasoning Percentage Distance and Direction Inserting correct mathematical sign Coding and Decoding Analogy & Odd one out Blood relations Number Simplification Area of triangle, square and rectangle Number Puzzle and coding Volume & Surface area of cone, cylinder, cuboid, and sphere Fractions & Probability Assigning artificial values to mathematical digit Average Dictionary words Profit and loss Ratio & Proportion Simple Trigonometry Time, Speed and Distance Youngest, tallest relation-based questions Time sequence, Number and Ranking Number Series Mathematical Operations & Mutual relation problem Physics Electronic devices The behaviour of perfect gases and the kinetic theory of gases & Atoms and Nuclei Bulk matter properties Laws of motion Communication System Electromagnetic induction and Alternating current Electrostatics & Current Electricity Optics Sequence and series Kinematics Waves and Oscillations Physical-world and measurement Electromagnetic Waves Straight lines and family of lines Magnetism and Magnetic effects of current Radiation and Dual nature of matter The motion of a system of particles and rigid body Thermodynamics Vector Work, Power, and Energy Gravitation & Statistics Electronic devices Optics Sequence and series Trigonometric & Inverse Trigonometric functions Laws of motion Communication System Sets, relations, and functions The behaviour of perfect gases and the kinetic theory of gases & Atoms and Nuclei Bulk matter properties Radiation and Dual nature of matter Electromagnetic Waves Kinematics Waves and Oscillations Physical-world and measurement Magnetism and Magnetic effects of current Work, Power, and Energy Electromagnetic induction and Alternating current Straight lines and family of lines Vector The motion of a system of particles and rigid body Thermodynamics Electrostatics & Current Electricity Gravitation & Statistics General Awareness Geography History Current Affairs Civics General Science Basic Computer Operations Indian Air Force Agniveer Vayu Physical Fitness TestAfter qualifying in the written exam, all the qualified candidates will be shortlisted for the physical fitness test. Check the Indian Air Force Agniveer Vayu physical fitness requirements and medical standards for male and female candidates elaborated below: Indian Air Force Agniveer Vayu Physical Efficiency Test (PET)The Indian Air Force Agniveer Vayu physical efficiency criteria for male and female candidates are as follows: PFT-I: The candidate will have to complete 1.6 km run as per the following timing to qualify for PFT-II. Test Male candidate Female candidate 1.6 km run Within 07 minutes Within 06 minutes PFT-II: Candidates declared qualified in PFT-I are shortlisted for PFT-II after 10 minutes of recuperation time. The sequence of exercises and maximum time period of male and female candidates are as follows. Male Candidate Test Max Time Period Remarks 10 Push-ups 01 minute Test will be conducted after 10 minutes break on completion of run. 10 Sit-ups 01 minute Test will be conducted after 02 minutes break on completion of 10 push-ups. 20 squats 01 minute Test will be conducted after 02 minutes break on completion of 10 sit-ups. Female Candidate Test Max Time Period Remarks 10 Sit-ups 01 minute and 30 seconds Test will be conducted after 10 minutes break on completion of run. 15 Squats 01 minute Test will be conducted after 02 minutes break on completion of 10 sit-ups. Indian Air Force Agniveer Vayu Adaptability Test I and II 2023Adaptability Test-I. All candidates who are declared qualified in the Physical Fitness Test (PFT) will be called to appear in Adaptability Test-I (objective type written test), which is to check the suitability of a candidate for employment in the IAF, which includes deployment in varied geographic terrain, weather and operational conditions. Adaptability Test-II. All aspirants who are declared qualified in Adaptability Test-I will be shortlisted for Adaptability Test-II as per policy in vogue. Adaptability Test-II is to shortlist candidates who can adapt to the environment of the Indian Air Force and can adjust to the military way of life. Indian Air Force Agniveer Vayu Medical exam 2023The Indian Air Force Agniveer Vayu medical standard requirements for male and female candidates are as follows: Height: The minimum acceptable height for the male candidate is 152.5 cm, whereas the minimum acceptable height for the female candidate is 152 cm. Weight: Proportionate to age and height. Chest: The chest should be well proportional with a minimum age expansion of 5 cm for male and female candidates. Hearing: Candidate must have normal hearing i.e., able to hear forced whisper from a distance of 6 meters by each ear separately. Dental: Must have healthy gums, a good set of teeth, and a minimum of 14 dental points. Visual Standards: Visual Activity Maximum Limits of Refractive Error Colour Vision 6/12 each eye, correctable to 6/6 each eye Hypermetropia- +2.0 D Myopia 1 D Including +/- 0.50 D Astigmatism CP-II Indian Air Force Agniveer Vayu Syllabus 2023: Best BooksCandidates should pick the Indian Air Force Agniveer books based on the recent edition and format. The right resources will help them to build conceptual clarity and cover the massive Indian Air Force Agniveer Vayu syllabus at the decided time. Some of the highly recommended Indian Air Force Agniveer Vayu books are as follows: Subject Books General Awareness General/Banking/Financial Awareness with Current Affairs for Bank exam by Disha Experts Mathematics Fast Track Objective Mathematics by Rajesh Verma General English Objective English by R S Aggarwal Physics Concept of Physics by H.C Verma Reasoning Verbal and Non-verbal Reasoning by R S Aggrawal Couldn’t Crack NEET? These Are Your Options To Pursue Medical CoursesNo result found, try new keyword!In fact, NEET UG is mandatory for admission to MBBS courses offered by all government-funded medical institutions, including AIIMS and JIPMER. The number of aspirants appearing for NEET exam rises ...California doctors sue medical board over mandatory 'implicit bias training'Two California doctors and a medical advocacy group, Do No Harm, filed a joint lawsuit Aug. 1 against the state's medical board to terminate its mandatory "implicit bias training," contending that it infringes on their freedom of speech rights. The progressive training is required for all medical professionals in the Golden State who seek to advance their education. "Implicit bias" suggests medical practitioners treat patients differently based on factors like race or sexuality, possibly leading to different health outcomes. The lawsuit targets state legislation passed in 2019, AB 241, which defines health care-linked implicit bias as subconscious "attitudes or internalized stereotypes." Los Angeles doctors Marilyn Singleton and Azadeh Khatibi and Do No Harm say the law instead coerces medical professionals to violate their freedom of speech rights to "compel speakers to engage in discussions on subjects they prefer to remain silent about," according to the filing. TEXAS NURSE FIRED FOR REFUSING 'IMPLICIT BIAS' TRAINING: 'VERY DEGRADING TO THE PROFESSION' California is being sued for a policy that requires all doctors to take "implicit bias training" in the state. (iStock) Do No Harm says the law requires physicians "to adopt an ideology that is unpersuasive nor unsupported by evidence to presume all healthcare providers are infected with implicit bias and thus treat patients differently." "The government cannot condition a speaker’s ability to offer courses for credit on the requirement that she espouse the government’s favored view on a controversial topic. This case seeks to vindicate those important constitutional rights," the lawsuit reads. Currently, California physicians must adhere to the law and log 50 hours of continuing medical education courses on implicit bias training for patient care every two years to have their license renewed. Both Singleton and Khatibi have taught continuing education for physicians and worry they'll be forced to teach using the implicit bias course materials. "The implicit bias requirement promotes the inaccurate belief that White individuals are naturally racist." — Dr. Marilyn SingletonBLACK CALIFORNIA DOCTOR TORCHES MANDATORY IMPLICIT BIAS TRAINING: 'APPALLED' Doctors behind the lawsuit say the California law promotes the belief "that White individuals are naturally racist." (iStock) "The implicit bias requirement promotes the inaccurate belief that White individuals are naturally racist," Singleton said in a news release last week. "This message can be detrimental to medical professionals and their patients as it creates an atmosphere of suspicion and animosity, which goes against the fundamental principle of doing no harm." Caleb Trotter, one of the Pacific Legal Foundation attorneys on the case, says implicit bias training teaches health care providers that "they should be concerned about a patient’s immutable characteristics like race, gender and sexual orientation, regardless of the characteristics’ relevance to the patient’s treatment." WHITMER'S 'IMPLICIT BIAS' TRAINING ENCOURAGES MICHIGAN HEALTH WORKERS TO ACKNOWLEDGE BIAS, 'STEP OUT OF COMFORT ZONE' Several other states have passed laws that require implicit bias training of all medical professionals. (iStock) CLICK HERE TO GET THE FOX NEWS APP California isn't the only state with implicit bias training courses for health care providers. Last year, a Texas nurse employed by Dallas-based Baylor Scott & White Health was fired for refusing to take the mandatory training. Other states that require implicit bias training in the health care industry include Delaware, Maryland, Massachusetts, New Jersey and Washington. Jamie Joseph is a writer who covers politics. She leads Fox News Digital coverage of the Senate. |
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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
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