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 RMSK?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der RMSK: Registered in Musculoskeletal sonography Prüfung.
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Exam Number : RMSK
Exam Name : Registered in Musculoskeletal sonography
Vendor Name : APCA
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RMSK exam Format | RMSK Course Contents | RMSK Course Outline | RMSK exam Syllabus | RMSK exam Objectives
Exam Code: RMSK
Exam Name: APCA RMSK Registered in Musculoskeletal sonography
Questions: ~200 multiple-choice
Time: 4 hours
Passing score: Scaled 555/700
Results: ~60 days
Frequency: 2 cycles/year
- Abdominal wall
- Perform general ultrasound of the ligaments
- neurovascular system
- tendons of the abdominal wall
- Ankle and foot
- Perform general ultrasound of the bones, bursae, cartilage, and joints of the ankle and foot
- Perform general ultrasound of the fascia, ligaments, and tendons of the ankle and foot
- Perform general ultrasound of the neurovascular system of the ankle and foot
- Chest Wall
- Perform general ultrasound of the bones, bursae, cartilage, ligaments, muscles, neurovascular system, and tendons of the chest wall
- Elbow
- Perform general ultrasound of the bones, bursae, cartilage, and joints of the elbow
- Perform general ultrasound of the tendons of the elbow
- Hand and wrist
- Perform general ultrasound of the bones, cartilage, joints, and ligaments of the hand and wrist
- Perform general ultrasound of the neurovascular system of the hand and wrist
- Perform general ultrasound of the tendons of the hand and wrist
- Hip and groin
- Perform general ultrasound of the bursae, cartilage, joints, and ligaments of the hip and groin
- Perform general ultrasound of the neurovascular system of the hip and groin
- Perform general ultrasound of the tendons of the hip and groin
- Knee
- Perform general ultrasound of the bones, bursae, joints, ligaments, and tendons of the knee
- Perform general ultrasound of the neurovascular system of the knee
- Shoulder
- Perform general ultrasound of the bones, bursae, cartilage, joints, and ligaments of the shoulder
- Perform general ultrasound of the neurovascular system of the shoulder
- Perform general ultrasound of the tendons of the shoulder
- Abnormal physiology
- Evaluate abscesses
- Evaluate bone erosion
- Evaluate cartilage pathology
- Evaluate crystal deposits
- Evaluate cystic structures
- Evaluate for gas in soft tissues
- Evaluate foreign bodies
- Evaluate fractures
- Evaluate infections
- Evaluate joint instability/altered function
- Evaluate joint effusions
- Evaluate ligament tears
- Evaluate masses
- Evaluate muscle tears
- Evaluate nerve entrapment
- Evaluate neuromas
- Evaluate subcutaneous abnormalities
- Evaluate synovial proliferation
- Evaluate synovitis
- Evaluate tendon calcification
- Evaluate tendon tears
- Ultrasound-guided Interventional Procedures 18% 3.R Ankle and foot
- Perform interventional procedures (e.g., aspirations, biopsies, injections) on the bursae and joints of the ankle and foot
- Perform interventional procedures (e.g., aspirations, biopsies, injections) on the fascia, ligaments, and tendons of the ankle and foot
- Perform interventional procedures (e.g., aspirations, biopsies, injections) on the neurovascular system of the ankle and foot
- Chest wall
- Perform interventional procedures (e.g., aspirations, biopsies, injections) on the bursae, ligaments, muscles, sternoclavicular joints, neurovascular system, and tendons of the chest wall
- Elbow
- Perform interventional procedures (e.g., aspirations, biopsies, injections) on the bursae, joints, and tendons of the elbow
- Hand and wrist
- Perform interventional procedures (e.g., aspirations, biopsies, injections) on the joints and ligaments of the hand and wrist
- Perform interventional procedures (e.g., aspirations, biopsies, injections) on the tendons of the hand and wrist
- Perform interventional procedures (e.g., aspirations, biopsies, injections) on the neurovascular system of the hand and wrist
- Perform interventional procedures (e.g., aspirations, biopsies, injections) on the bursae and joints of the hip and groin
- Perform interventional procedures (e.g., aspirations, biopsies, injections) on the tendons of the hip and groin
- Perform interventional procedures (e.g., aspirations, biopsies, injections) on the neurovascular system of the hip and groin
- Knee
- Perform interventional procedures (e.g., aspirations, biopsies, injections) on the bursae and joints of the knee
- Perform interventional procedures (e.g., aspirations, biopsies, injections) on the ligaments and tendons of the knee
- Perform interventional procedures (e.g., aspirations, biopsies, injections) on the neurovascular system of the knee
- Shoulder
- Perform interventional procedures (e.g., aspirations, biopsies, injections) on the bursae, joints, and ligaments of the shoulder
- Perform interventional procedures (e.g., aspirations, biopsies, injections) on the neurovascular system of the shoulder
- Perform interventional procedures (e.g., aspirations, biopsies, injections) on the tendons of the shoulder
- Integration of Data 7% 4.A Incorporate outside data (e.g., clinic exam, history and physical, lab values)
- Assess anatomy as it relates to trauma
- Assess joints with dynamic scanning
- Correlate information with previous tests
- Correlate sonographic findings with clinical presentation
- Report results of the exam
- Imaging instruments
- Adjust beam angle to correct for anisotropy
- Adjust imaging depth
- Adjust overall gain
- Adjust power output
- Adjust pulse repetition frequency (PRF)
- Adjust sound beam and needle angle for proper visualization of needle
- Evaluate acoustic shadowing and refractile shadowing and identify artifacts
- Evaluate Doppler artifacts
- Focus the image
- Identify artifacts (e.g., through transmission, shadowing)
- Identify potential risks related to performing the exam
- Manipulate transducer position for optimal image acquisition
- Perform image measurements
- Select appropriate transducer
- Select proper ultrasound imaging mode for examination
- Use color Doppler
- Use curvilinear array transducer
- Use dynamic range
- Use linear array transducer
- Use phased array transducer
- Use power Doppler
- Use pulsed wave Doppler
- Use time gain compensation (TGC)
- Use two-dimensional, real-time, gray-scale imaging (e.g., B-mode)
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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
