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 VACC : VACC Vascular Access ACTUAL EXAM QUESTIONS

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Exam Number : VACC
Exam Name : VACC Vascular Access
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DOMAIN CATEGORY I: Clinical Knowledge and Application

A. Device Assessment and Selection

1. Central venous access devices

2. Peripheral intravenous devices

3. Dialysis, apheresis and aquapheresis catheters

4. Intraosseous devices

5. Arterial catheters

6. Pulmonary artery catheters

7. Device characteristics (e.g., single versus multi-lumen devices, optimal insertion and tip location)

B. Patient Assessment

1. Vascular pathology (e.g., impact of disease processes on vascular access)

2. Device selection (e.g., infusion therapy, alternative to IV placement, vesicants and osmolality)

3. Patient specific characteristics (e.g., compromised skin integrity, product reaction) and resources to maintain vascular access devices

4. Imaging technology (e.g., ultrasound, transillumination, fluoroscopy / venogram, chest x-ray)

C. Preparation

1. Infection prevention procedures, concepts and principles (e.g., sterile field, aseptic non-touch technique [ANTT], common pathogens)

2. Anatomy and physiology

3. Growth and development implications

DOMAIN CATEGORY I (continued): Clinical Knowledge and Application

D. Insertion

1. Vascular access device and insertion components

2. Insertion techniques (e.g., Modified Seldinger)

3. Flushing and locking solutions / procedures

4. Imaging technology (e.g., ultrasound, infra-red, transillumination)

5. Laboratory values relevant to device placement and maintenance

6. Tip location and confirmation systems

7. Engineered securement devices

8. Complications and emergency interventions (e.g., inadvertent arterial puncture, pneumothorax, catheter tip malposition, nerve injury)

E. Care and Maintenance of Vascular Access

1. Insertion / exit site exam

2. Lumen patency and catheter clearance (e.g., flushing protocol, occlusion therapy)

3. Infusion equipment and add-on supplies (e.g., needleless connector)

4. Dressing change procedure

5. Patient / caregiver education

6. Care plan throughout the healthcare continuum (e.g., catheter insertion information, care and maintenance instructions, patient restrictions)

7. Vascular access device removal (e.g., removal length of PICC, removal complications, patient tolerance of removal procedure)

F. Troubleshooting, Complications, and Interventions

1. Post-insertion risks and complications (e.g., extravasation, thrombosis, infection, catheter tip migration, occlusion, nerve damage, phlebitis)

2. Pharmacologic interventions (e.g., catheter clearance, antibiotic lock, ethanol lock, extravasation treatment)

3. Catheter repair / exchange

4. Other complications (e.g., central vein occlusion, internal fracture, compromised skin integrity)

DOMAIN CATEGORY II: Interpersonal and Communication Skills

A. Interpersonal Communication

1. Communication with patient / caregiver (e.g., risks, benefits and alternatives; device care; infection prevention)

2. Communication with patient / caregiver with additional needs (e.g., developmental/ cognitive deficit, psychosocial concerns)

3. Cultural competency (e.g., cultural and religious differences, family involvement, language barrier)

4. Collaboration with patient's care team

B. Mentoring and education

1. Educational / staff development opportunities (e.g., quality improvement, hospital committees, early test for vessel preservation)

2. Infection control measures and techniques

DOMAIN CATEGORY III: Professional Development

A. Evidence-based Practice and Continuing Education

1. Evidence-based practice guidelines (e.g., AVA, INS, MAGIC, KDOQI, ACCP, SHEA)

2. Process improvement initiatives and outcome evaluation (e.g., implementation of new techniques and / or products)

3. Professional practice and development (e.g., seminars, webinars, conferences, certification)

4. Critical analysis of published research (e.g., research methodologies)

DOMAIN CATEGORY IV: Legal and Ethical Considerations

A. Legal Considerations

1. Professional codes of conduct, professional guidelines, scope of practice and standards of care

2. Legal principles in the practice of vascular access (e.g., consent, liability, HIPAA)

3. Documentation requirements

4. Manufacturer's guidelines for product use (e.g., Instructions for Use [IFUs], expiration dates, off-label use)

B. Ethical Considerations

1. Patient advocacy (e.g., patient preferences, end of life care)

2. Reporting requirements (e.g., MAUDE database, Joint Commission [JC], state health department)

3. Fiscal responsibility (e.g., accurate recording of charges, use of supplies and equipment, use of time)



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Sell Alert: 3 Real Estate Stocks to Dump ASAP

InvestorPlace - Stock Market News, Stock Advice & Trading Tips

Real estate stocks are forming the perfect storm.

First, the pandemic greatly reduced society’s desire to use various kinds of commercial real estate. Second, soaring interest rates have made it far more difficult for leveraged real estate owners to make good on their interest payments and debt refinances.

Some firms will get through the disruption just fine. Others, however, will not. Now is the moment to sell real estate stocks that are vulnerable to the current downturn. Smart investors will heed this sell alert for three particular real estate stocks that simply aren’t going to thrive in current economic conditions.

Medical Properties Trust (MPW)

Source: venusvi / Shutterstock.com

Medical Properties Trust (NYSE:MPW) is a real estate investment trust (REIT) focused on hospital buildings.

The company has long been embroiled in controversy. Two of its largest tenants, Steward Health Care and Prospect Medical Holdings, are in financial trouble. As those two companies make up more than a third of Medical Properties Trust’s overall revenues, that puts the REIT’s outlook on a shaky footing.

Medical Properties Trust has turned into a battleground stock. Multiple short sellers and research firms have taken aim at the company. These analysts allege untoward insider dealings and questionable financial disclosures, among other matters. Income investors have held onto the stock for its high dividend.

However, with Medical Properties’ mixed financial results along with the general pressure caused by higher interest rates, this seems like a far-too-risky pick for the average real estate investor. Currently, MPW stock has more than 20% short interest, indicating that the bears have high conviction that this REIT is in poor health. With the stock’s latest rebound, now is a great time to sell at this more favorable exit point.

Simon Property Group (SPG)

Source: Jonathan Weiss / Shutterstock.com

Simon Property Group (NYSE:SPG) is a REIT focused primarily on malls and outlet centers.

Malls have been attempting to bounce back after the COVID-19 related disruption to the industry. However, it’s been a rough road. While the economy has reopened, e-commerce continues to inexorably take its toll on shopping malls.

Simon has focused on higher-end malls, which has blunted the impact of the industry’s decay to a degree. Yet so many department stores and other traditional tenants go bust and shutter their operations entirely. That trend continues, with a latest Wall Street Journal article discussing how local malls are stuck in a “death spiral“.

Simon is trying to make the most of a tough situation. But investors seem far too generous with the firm’s valuation. Especially in a world with higher interest rates and a potential recession on the horizon, shopping malls are unlikely to be an attractive asset class anytime soon.

City Office REIT (CIO)

Source: ImageFlow/shutterstock.com

City Office REIT (NYSE:CIO) is a smaller REIT focused on sunbelt American markets.

The REIT is not especially well-diversified. Its top three markets make up 57% of its estimated total gross asset value. These three markets are Phoenix, Tampa, and Raleigh, North Carolina, respectively. These are somewhat smaller markets than the average office REIT which often focus on large cities like New York, Boston, or San Francisco.

This leaves City Office in a relatively vulnerable position. It has a significant number of near-term expiring leases. Meanwhile, demand for office space can be more volatile in some of these regional markets. The industry as a whole is struggling to deal with the shift to remote work. City Office’s properties may not be well-positioned for that reality.

The company recently cut its dividend in half, noting that the reduction would free up $16 million per year in additional liquidity. That might not be enough, however, given the large amount of capital that may be required to reposition aging office properties. In addition, City Office isn’t generating profits on an earnings basis anymore. It lost $1.2 million last quarter. This casts further doubt around the security of the remaining dividend payout.

On the date of publication, Ian Bezek did not have (either directly or indirectly) any positions in the securities mentioned in this article. The opinions expressed in this article are those of the writer, subject to the InvestorPlace.com Publishing Guidelines.

Ian Bezek has written more than 1,000 articles for InvestorPlace.com and Seeking Alpha. He also worked as a Junior Analyst for Kerrisdale Capital, a $300 million New York City-based hedge fund. You can reach him on Twitter at @irbezek.

More From InvestorPlace

The post Sell Alert: 3 Real Estate Stocks to Dump ASAP appeared first on InvestorPlace.

© 2023 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.


Medical Colleges Set Up From 2024-25 Session Onwards to Have Max 150 UG Seats; Check NMC's Guidelines Here

No result found, try new keyword!The National Medical Commission (NMC) has issued "Guidelines for Under Graduate Courses under Establishment of New Medical Institutions, Starting of New Medical Courses, Increase of Seats for Existing ...
 


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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