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 : WOCNCB-CFCN
Exam Name : Certified Foot Care Nurse (CFCN)
Vendor Name : WOCNB
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WOCNB WOCNCB-CFCN Certified Foot Care Nurse (CFCN)
Domain I: Assessment and Care Planning
Task 1: Obtain focused patient health history (e.g., current medications, co‐morbidities, health habits) through interviews, established medical records, and questionnaires in order to determine the patients current health and risk status.
- Medications
- Diseases affecting the lower extremities
(musculoskeletal, endocrine, neurological, vascular, integumentary, etc.)
- Health behaviors affecting lower extremities (smoking, diet, obesity, activity level, etc.)
- Active listening
Task 2: Perform focused lower extremity physical exams in order to determine current physical (e.g., vascular, neurological, skin integrity, musculoskeletal) and mental status.
- Methods for mental health exam
- Methods for pain exam
- Pain types (neuropathic, musculoskeletal, ischemic, etc.)
- Anatomy and physiology of the lower extremities (foot, nails, bone structure, etc.)
- Functional disabilities (gait, mobility, balance, visual, cognitive)
- Factors reflecting vascular status (temperature, hair growth patterns, pulses, blanching, capillary refill, dependent rubor, pallor, edema)
- Indicators of compromised skin integrity (fissures, ulcers, corns, calluses, dermatitis)
- Physical/musculoskeletal function of the foot (range of motion, deformities, strength)
- Neurological status of the lower extremities (sensory, motor, autonomic)
- Palpating pulses (dorsalis pedis, posterior tibialis)
- Using a Doppler
- Determining ankle brachial index (ABI)
- Performing monofilament, vibratory, and proprioception tests
Task 3: Develop an initial patient‐centered plan of care using health history and physical exam information to meet established foot care goals.
- Principles of patient‐centered care
- Normal and abnormal physical exam results
- Appropriate interventions (education, treatments, referrals)
- Cultural and ethnic differences affecting foot health
- Interpreting patient exam results
- Setting appropriate goals based on identified patient needs
- Planning interventions based on patient needs and goals
Task 4: Perform ongoing evaluation and modification of the patient‐centered plan.
- Principles of patient‐centered care
- Anticipated responses to current interventions
- Appropriate modifications based on responses to interventions
- Interpreting patient responses to interventions
- Modifying goals based on patient response
- Modifying interventions based on revised patient needs and goals
Domain II: Intervention and Treatment
Task 1: Perform skin care on feet and lower extremities using appropriate skin care products in order to promote optimal skin health and integrity.
- Integumentary system
- Skin cleansing principles
- Skin moisturizers (humectants, emollients)
- Barrier products (dimethicone, petrolatum, zinc‐based products, etc.)
- Topical medications
- Selecting and applying appropriate skin care products (cleansers, moisturizers, medications)
Task 2: Recommend treatment and/or provide care for dermatological conditions affecting the feet and lower extremities using appropriate skin care products in order to promote optimal skin health and integrity.
- Integumentary system
- Signs/symptoms of skin impairments/abnormalities (blisters, hyperkeratotic lesions, stasis dermatitis, fissures, verucca vulgaris, trauma, tinea pedis, paronychia, maceration, hemosiderosis, etc.)
- Skin cleansing principles
- Skin moisturizers (humectants, emollients)
- Barrier products (dimethicone, petrolatum, zinc‐based products, etc.)
- Topical medications
- Management of hyperkeratotic lesions
- Applying skin care products (cleansers, moisturizers, medications)
Task 3: Implement offloading interventions utilizing offloading products in order to promote optimal skin health and integrity and prevent further injury (e.g., ulceration, callous formation, deep tissue injury).
- Appropriate footwear (shoes, socks, hosiery, inserts)
- Offloading principles to reduce and/or redistribute pressure, friction, and/or sheer
- Offloading and padding products (orthotics, lambs wool, moleskin, felt padding, silicone products, etc.)
- Applying offloading and padding products
appropriately
Task 4: Perform nail care and debridement using appropriate instruments in order to promote comfort and optimize function.
- Nail anatomy
- Onychopathology (onychomycosis, onychocryptosis, paronychia, etc.)
- Personal protective equipment (PPE) guidelines
- Debridement techniques
- Instrument sterilization guidelines (cold sterilization, autoclave, etc.)
- Identifying free nail border (nail debris)
- Appropriately selecting and using equipment (rotary powered instrument, nippers, etc.) for nail care and debridement
Task 5: Identify lower extremity wounds (i.e., venous, arterial, neuropathic, traumatic, and pressure ulcers) and make wound care treatment recommendations and/or referrals that support the goals of care.
- Characteristics of wound types (venous, arterial, neuropathic, traumatic, pressure ulcers)
- National Pressure Ulcer Advisory Panel (NPUAP) pressure ulcer staging system
- Wagner grading system for diabetic foot ulcers 020503
- Principles of moist wound healing 020504
- Principles of basic wound care 020505
- Appropriate topical treatment to maintain periwound integrity
- Dressings for moist wound healing (containment of drainage, eliminate dead space, reduce bioburden, control odor, debridement, etc.)
- Compression therapy (indications and contraindications)
- Advanced wound therapy (electrical stimulation, bioengineered tissue, negative pressure wound therapy, hyperbaric oxygen therapy)
- Selecting and applying dressings
- Educating patients and caregivers regarding wound healing (infection, tobacco cessation, nutrition, optimal health choices, causative factors, etc.)
Domain III: Education and Referral
Task 1: Instruct patients and caregivers on foot care principles (e.g., hygiene, footwear, daily foot inspections) and disease, lifestyle, and/or age‐related processes to prevent complications, maintain optimal foot health, and encourage patient autonomy.
- Preventive skin care strategies
- Disease processes and conditions affecting feet and lower extremities (arterial disease, venous disease, neurological disease, diabetes, autoimmune, arthritis, trauma, etc.)
- Age‐related processes affecting feet and lower extremities
- Health habits affecting feet and lower extremities (activity level, exercise, obesity, diet, smoking, etc.)
- Assessing patient health literacy (learning style, readiness to learn, barriers to learning, current understanding, etc.)
Task 2: Collaborate with interdisciplinary healthcare professionals and make appropriate referrals to support patient‐centered goals of care.
- Available healthcare‐related resources
- Roles and responsibilities of specialized healthcare providers (vascular specialist/surgeon, endocrinologist, podiatrist, orthopedic surgeon, dermatologist, pedorthist/orthotist, pain management specialist, diabetic educator, wound care specialist, etc.)
- Health care delivery systems
- Communicating with members of the interdisciplinary team
- Navigating health care systems (identifying and accessing programs for specific lower extremity disease processes)
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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
