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 : NNCC-CCHT-A
Exam Name : Certified Clinical Hemodialysis Technician - Advanced (CCHT-A)
Vendor Name : NNCC
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NNCC-CCHT-A test Format | NNCC-CCHT-A Course Contents | NNCC-CCHT-A Course Outline | NNCC-CCHT-A test Syllabus | NNCC-CCHT-A test Objectives
Exam Code: CCHT-A
Certification Name: Certified Clinical Hemodialysis Technician - Advanced
Issuing Organization: Nephrology Nursing Certification Commission (NNCC)
Exam Type: Computer-based- multiple-choice questions
Number of Questions: 150 questions (including 25 unscored pretest questions)
Duration: 3 hours
Passing Score: Scaled scoring (minimum passing score determined by NNCC)
I. Clinical - 50-54%
- Cannulate patients access.
- Set the dialysis machine according to the patients prescription.
- Obtain patients weight and vital signs.
- Monitor patient during dialysis treatment.
- Use aseptic technique for dialysis procedures.
- Evaluate patients access pre-dialysis.
- Initiate hemodialysis treatment with arteriovenous graft/fistula.
- Evaluate patients pre-dialysis and post-dialysis fluid status.
- Discontinue patients dialysis treatment with arteriovenous fistula or graft.
- Perform post-dialysis fistula/graft access care.
- Set up extracorporeal circuit.
- Follow protocol for administering heparin.
- Discontinue patients dialysis treatment with hemodialysis catheter.
- Monitor patient who has a hemodialysis catheter during treatment.
- Discard disposable supplies post-dialysis- using appropriate/designated receptacles.
- Identify potential access failure by looking- listening- and feeling.
- Question patient regarding problems/events since last treatment.
- Monitor dialysis machine and ancillary equipment (e.g.- IV pump- oxygen concentrator) during treatment.
- Follow protocol for treating hypotension.
- Identify and report changes in patients general physical state.
- Recognize and report changes in patients cognitive/mental status.
- Identify relationship of blood pressure changes to fluid volume status.
- Recognize intradialytic events that effect fluid removal or retention.
- Understand the purpose and recognize complications of heparin therapy.
- Recognize and report signs and symptoms of volume depletion or overload.
- Consider patients response to last treatment to anticipate changes in care plan.
- Identify risks for patient exsanguination (“bleeding out”).
- Follow protocol for treating muscle cramps.
- Recognize and report signs and symptoms of infection.
- Recognize and report signs and symptoms of orthostatic hypotension.
- Recognize and report potential or genuine adverse patient occurrences.
- Recognize and report signs/symptoms of access failure (e.g.- stenosis- clotting).
- Administer oxygen per order/protocol.
- Understand purpose and recognize complications of topical/local anesthetics.
- Identify complications of end-stage renal disease (CKD Stage 5).
- Use assistive devices for patient transfers.
- Obtain blood samples from patients fistula or graft.
- Encourage patient to participate in physical activities- e.g.- exercise bikes- hand weights.
- Recognize and report an emergency clinical situation.
- Cannulate a mature buttonhole access.
- Perform access flow monitoring.
- Perform access flow monitoring.
- Measure patients blood glucose level.
- Communicate patients treatment outcomes to appropriate personnel.
- Participate as directed in patient resuscitation activities.
- Establish a buttonhole access.
II. Technical - 18-22%
- Perform dialysis machine tests (e.g.- pressure and alarm tests).
- Check pH of dialysate solution with an independent device.
- Ensure safe and proper use of equipment.
- Adjust dialysate solution temperature according to protocol/prescription.
- Participate in monitoring the water treatment system.
- Recognize principles related to water treatment (ion exchange- absorption ).
- Perform quality control checks on equipment (test strips- glucose meter).
- Apply scientific principles of dialysis underlying patient care (e.g.- ultrafiltration).
- Mix concentrates from powder (e.g.- bicarbonate- electrolyte solution).
- Perform cannulation of a new access or a complicated access (e.g.- expert cannulator).
- Take corrective action (“troubleshoot”) when equipment malfunctions.
- Process patients laboratory samples.
- Identify/report/document an adverse event- e.g.- equipment malfunction- power failure).
III. Role Responsibilities - 16-20%
- Maintain patients privacy.
- Maintain patients confidentiality.
- Use proper body mechanics.
- Maintain safety of environment.
- Maintain patients dignity.
- Document findings and interventions/activities performed.
- Maintain appropriate caregiver/patient relationships.
- Encourage and support dialysis treatment prescription and adherence.
- Communicate patients treatment outcomes to appropriate personnel.
- Use appropriate communication techniques/skills (verbal/nonverbal).
- Report to another staff member prior to breaks or shift change (“hand off”).
- Identify and report changes in patients behavior.
- Start-up facility.
- Participate in an environment that is supportive of cultural diversity.
- Differentiate roles and responsibilities of care-team members.
- Serve as an active participant of performance improvement team.
- Shut down facility
- Reinforce patient education according to patient teaching plan/goals.
- Recognize/report need for patient education.
- Identify and report escalating behavior of patient- visitor- staff.
- Participate in precepting.
- Assist in defusing escalating behavior.
- Prepare for/respond to environmental emergencies (e.g.- fire) during treatment.
- Participate in patient emergency evacuation drills (e.g.- fire- natural disasters).
IV. Environment - 8-12%
- Use dialysis/standard precautions.
- Clean and disinfect dialysis equipment after use- e.g.- stethoscope- clamps- machine.
- Use chemicals to disinfect environmental surfaces.
- Follow infection control precautions- e.g.- isolation- vaccinations.
- Encourage other staff members to adhere to infection control and/or standard procedures.
- Maintain an environment to reduce risk for falls (spills/clutter in walkway).
- Assist with maintaining a safe environment according to regulations.
- Maintain an unobstructed emergency exit pathway.
- Maintain a therapeutic environment (noise reduction- temperature control).
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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
