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 RHIA?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der RHIA: Registered Health Information Administrator (AHIMA RHIA) 2024 Prüfung.

2024 Updated Actual RHIA questions as experienced in Test Center

Aktuelle RHIA Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

Healthcare RHIA : Registered Health Information Administrator (AHIMA RHIA) 2024 Practice Tests

Practice Tests Organized by Lee



Latest 2024 Updated Healthcare Registered Health Information Administrator (AHIMA RHIA) 2024 Syllabus
RHIA examcollection with Premium PDF and Test Engine

Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee




RHIA examcollection : Download 100% Free RHIA practice tests (PDF and VCE)

Exam Number : RHIA
Exam Name : Registered Health Information Administrator (AHIMA RHIA) 2024
Vendor Name : Healthcare
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Exam Questions of real RHIA questions that Tested up in test today
Our RHIA Latest Topics contains real test questions and answers, and they regularly update them to ensure they remain the latest and most accurate. Many applicants pass their RHIA test with their genuine questions. If you aim to achieve success, you should download their RHIA boot camp.

At killexams.com, they have received many testimonials from satisfied customers who passed the RHIA test with their Exam Questions. They have secured excellent positions in their respective companies and have seen improvements in their knowledge after using their RHIA real questions. Their approach goes beyond simply providing braindumps for passing the RHIA exam; they aim to enhance people's understanding of RHIA goals and Topics to help them succeed in their fields.

We strive to clarify concepts related to all RHIA courses, syllabus, and goals for the Healthcare RHIA exam. Merely memorizing the RHIA course guide is not enough. You need to familiarize yourself with challenging scenarios and questions asked in the actual RHIA exam. Visit killexams.com to download free trial RHIA PDF questions and read through them. They are confident that if you are satisfied with the Registered Health Information Administrator (AHIMA RHIA) 2024 questions, you will want to sign up and download the complete version of the RHIA Question Bank at attractive discounts. This will be your first step towards success in the Registered Health Information Administrator (AHIMA RHIA) 2024 exam. Install RHIA VCE test simulator on your computer, memorize RHIA real questions, and take practice tests regularly with the VCE test simulator. When you feel ready for the real RHIA exam, register for it at a test center.

At killexams.com, they offer the latest, valid, and 2024 up-to-date Healthcare Registered Health Information Administrator (AHIMA RHIA) 2024 dumps that are essential for passing the RHIA exam. It is crucial to elevate your professional position in your organization. Their goal is to help individuals pass the RHIA test on their first try. Their RHIA real questions has consistently produced top results over time, thanks to their customers' trust in their real questions and VCE for their actual RHIA exam. They are the best source for genuine RHIA test questions. They keep their RHIA real questions valid and up-to-date all the time. Their Registered Health Information Administrator (AHIMA RHIA) 2024 ACTUAL EXAM QUESTIONS will help you pass the test with flying colors.

If you are interested in passing the Healthcare RHIA test to secure a great job, register at killexams.com. They have a team of professionals who gather RHIA real test questions at killexams.com. You will receive Registered Health Information Administrator (AHIMA RHIA) 2024 test questions to ensure your success in the RHIA exam. You can download updated RHIA test questions for free every time. There are organizations that offer RHIA real questions, but valid and 2024 up-to-date RHIA Question Bank is crucial. Rethink before relying on free RHIA real questions available on the web.







RHIA test Format | RHIA Course Contents | RHIA Course Outline | RHIA test Syllabus | RHIA test Objectives


Exam : RHIA
Exam Name : Registered Health Information Administrator(R)
Questions : 180
Question Type : multiple choice
Scored : 160
Unscored : 20
Exam Time : 4 hours

Domain 1 – Data Content, Structure & Standards (Information Governance) (18-22%)
Tasks:
A. Classification Systems
A1. Code diagnosis and procedures according to established guidelines

B. Health Record Content & Documentation
B1. Ensure accuracy and integrity of health data and health record documentation (paper or electronic)
B2. Manage the contents of the legal health record (structured and unstructured)
B3. Manage the retention and destruction of the legal health record

C. Data Governance
C1. Maintain data in accordance with regulatory requirements
C2. Develop and maintain organizational policies, procedures, and guidelines for management of health information

D. Data Management & Secondary Data Sources
D1. Manage health data elements and/or data sets
D2. Assist in the maintenance of the data dictionary and data models for database design
D3. Manage and maintain databases (e.g., data migration, updates)

Domain 2 – Information Protection: Access, Disclosure, Archival, Privacy & Security (23-27%)
Tasks:
A. Health Law
A1. Maintain healthcare privacy and security training programs
A2. Enforce and monitor organizational compliance with healthcare information laws, regulations and standards (e.g., audit, report and/or inform)

B. Data Privacy, Confidentiality, and Security
B1. Design policies and implement privacy practices to safeguard Protected Health Information
B2. Design policies and implement security practices to safeguard Protected Health Information
B3. Investigate and resolve healthcare privacy and security issues/breaches

C. Release of Information
C1. Manage access, disclosure, and use of Protected Health Information to ensure confidentiality
C2. Develop policies and procedures for uses and disclosures/redisclosures of Protected Health Information

Domain 3 – Informatics, Analytics & Data Use (22-26%)
Tasks:
A. Health Information Technologies
A1. Implement and manage use of, and access to, technology applications
A2. Evaluate and recommend clinical, administrative, and specialty service applications (e.g., financial systems, electronic record, clinical coding)

B. Information Management Strategic Planning
B1. Present data for organizational use (e.g., summarize, synthesize, and condense information)

C. Analytics & Decision Support
C1. Filter and/or interpret information for the end customer
C2. Analyze and present information to organizational stakeholders
C3. Use data mining techniques to query and report from databases

D. Healthcare Statistics
D1. Calculate healthcare statistics for organizational stakeholders
D2. Critically analyze and interpret healthcare statistics for organizational stakeholders (e.g., CMI)

E. Research Methods
E1. Identify appropriate data sources for research

F. Consumer Informatics
F1. Identify and/or respond to the information needs of internal and external healthcare customers
F2. Provide support for end-user portals and personal health records

G. Health Information Exchange
G1. Apply data and functional standards to achieve interoperability of healthcare information systems
G2. Manage the health information exchange process entity-wide

H. Information Integrity and Data Quality
H1. Apply data/record storage principles and techniques associated with the medium (e.g., paper-based, hybrid, electronic)
H2. Manage master person index (e.g., patient record integration, customer/client relationship management)
H3. Manage merge process for duplicates and other errors entity-wide (e.g., validate data sources)

Domain 4 – Revenue Management (12-16%)
Tasks:
A. Revenue Cycle & Reimbursement
A1. Manage the use of clinical data required in reimbursement systems and prospective payment systems (PPS)
A2. Optimize reimbursement through management of the revenue cycle (e.g., chargemaster maintenance, DNFB, and AR days)

B. Regulatory
B1. Prepare for accreditation and licensing processes [e.g. Joint Commission, Det Norske Veritas (DNV), Medicare, state regulators]
B2. Process audit requests (e.g., RACs or other payors, chart review)
B3. Perform audits (e.g., chart review, POC)

C. Coding
C1. Manage and/or validate coding accuracy

D. Fraud Surveillance
D1. Participate in investigating incidences of medical identity theft

E. Clinical Documentation Improvement
E1. Query physicians for appropriate documentation to support reimbursement
E2. Educate and train clinical staff regarding supporting documentation requirements

Domain 5 – Leadership (12-16%)
Tasks:
A. Leadership Roles
A1. Develop, motivate, and support work teams and/or individuals (e.g., coaching, mentoring) A2. Organize and facilitate meetings
A3. Advocate for department, organization and/or profession

B. Change Management
B1. Participate in the implementation of new processes (e.g., systems, EHR, CAC)
B2. Support changes in the organization (e.g., culture changes, HIM consolidations, outsourcing)

C. Work Design & Process Improvement
C1. Establish and monitor productivity standards
C2. Analyze and design workflow processes
C3. Participate in the development and monitoring of process improvement plans

D. Human Resources Management
D1. Perform human resource management activities (e.g., recruiting staff, creating job descriptions, resolving personnel issues)

E. Training & Development
E1. Conduct training and educational activities (e.g. HIM systems, coding, medical and institutional terminology, documentation and regulatory requirements)

F. Strategic & Organizational Management
F1. Monitor industry trends and organizational needs to anticipate changes
F2. Determine resource needs by performing analyses (e.g., costbenefit, business planning)
F3. Assist with preparation of capital budget

G. Financial Management
G1. Assist in preparation and management of operating and personnel budgets
G2. Assist in the analysis and reporting on budget variances

H. Ethics
H1. Adhere to the AHIMA code of ethics

I. Project Management
I1. Utilize appropriate project management methodologies

J. Vendor/Contract Management
J1. Evaluate and manage contracts (e.g., vendor, contract personnel, maintenance)

K. Enterprise Information Management
K1. Develop and support strategic and operational plans for entity-wide health information management



Killexams Review | Reputation | Testimonials | Feedback


It's nice to know that the latest syllabus practice tests for the RHIA test are available.
When I lost my RHIA syllabus just a week before my exam, I was panic about how I would cope with the situation. However, thanks to killexams.com, I was able to get hold of the syllabus and prepare for the test with ease. The syllabus is a critical paper that directs the manner of instruction, and I am grateful to my friend for introducing me to killexams.com.


Actual test RHIA questions.
I am now RHIA certified, and I owe it all to killexams.com RHIA test simulator. This test simulator was tailor-made, keeping in mind the necessities of the students who face difficulties while taking the RHIA exam. The sorting-out engine covers all issues in detail to keep the students informed about every piece of information that will be on the exam. Killexams.com understands the best way to keep students assured and ever-prepared for the exam.


It is unbelievable, but RHIA practice tests are available here.
Preparing for the RHIA test was my New Year's resolution this year, and I was anxious about the process. Thanks to killexams.com, I was able to study, prepare, and pass the test with ease. Their package included every query I received on the RHIA exam, making the experience stress-free and rewarding. I believe that the killexams.com experience is worth the investment.


How to prepare for the RHIA exam?
While there is a lot of information available online for all RHIA profession certifications, I was skeptical about using free practice tests as the people who post them are not obliged to provide accurate information. So, I decided to pay for killexams.com's RHIA questions and answers, and I couldn't be happier. They provide real test questions and answers, which helped me pass the RHIA test without any stress. They are very cool and dependable.


Very comprehensive and authentic Questions Answers for the RHIA exam.
I am very happy with the RHIA Questions Answers provided by killexams.com. It helped me a lot in the test center, and I can come for different Healthcare certifications as well.


Healthcare 2024 test Questions

RHIA Exam

User: Nadine*****

Last year, I appeared for the RHIA test but failed. The RHIA Topics were challenging for me until I found the Questions Answers study guide from Killexams.com. It is the best guide I have ever bought for my test preparations. It was very helpful for slow learners like me, and I passed the test with 89% marks. I felt above the sector, and I am grateful to Killexams.com.
User: Zhora*****

At first, I only paid for the rhia test simulator and practice tests document. However, the practice tests had some errors, which were later fixed by the team. Afterward, I practiced with the test simulator, and it worked perfectly.
User: Felix*****

Purchasing the killexams.com practice tests was an easy and effective method that helped me get 89% marks in the rhia exam. I never expected to pass the test without their support, and I am grateful for their valuable resources.
User: Emmanuel*****

I highly recommend Killexams.com for those who plan to take the rhia exam. This test training is notable as it provides the right questions and simulates the test experience accurately. There is no useless information or irrelevant questions, making it better than any book or PDF I could find. It helped me and my friends pass the test with ease.
User: Agatha*****

I highly recommend Killexams.com to anyone preparing for RHIA exams. When I chose this platform to prepare for my RHIA exam, I was not expecting much, but I was pleasantly surprised. It had all the subjects covered as per the professional syllabus. The practice tests were excellent, and I felt confident on the test day. The most remarkable thing about Killexams.com was the similarity of the questions to those on the actual exam, just as promised. I never expected that, so do not hesitate, go for it.

RHIA Exam

Question: Does RHIA test prep improves the knowledge?
Answer: RHIA test prep contain actual questions and answers. By memorizing and understanding the complete examcollection greatly improves your knowledge about the core Topics of the RHIA exam. It also covers the latest RHIA syllabus. These RHIA test questions are taken from actual test sources, that's why these RHIA test questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these RHIA questions are sufficient to pass the exam.
Question: I want to pass RHIA test asap, Can you guide me?
Answer: Visit killexams.com. Register and download the latest and 100% valid real RHIA test questions with VCE practice tests. You just need to memorize and practice these questions and reset ensured. You will pass the test with good marks.
Question: Are explanation with Answers Included?
Answer: Killexams certification team try to include explanations for as many exams they can but maintaining explanation for more than 5500 exams is a big job. The test update frequency also matters while including explanations. They try their best to include explanations but they focus on updating the contents which are important for candidates to pass the exam.
Question: Do I need to download RHIA dumps daily?
Answer: No, you do not need to download RHIA VCE test daily. Killexams team will inform you by email when the test in your download section will be updated. If there is no change in the questions and answers, you do not need to download again and again the same document.
Question: What Topics of RHIA test questions is covered by test prep?
Answer: These RHIA questions cover all the Topics of the new syllabus of the exam. Killexams.com update RHIA test prep on regular basis to include all the latest contents. All the Questions Answers needed to pass the test are included in RHIA actual test questions.
Healthcare+2024+Exam+Questions
https://www.pass4surez.com/art/read.php?keyword=Healthcare+2024+Exam+Questions&lang=us&links=remove



Unquestionably it is hard assignment to pick dependable certification questions/answers assets regarding review, reputation and validity since individuals get sham because of picking incorrectly benefit. Killexams.com ensure to serve its customers best to its assets concerning ACTUAL EXAM QUESTIONS update and validity. The vast majority of other's sham report dissension customers come to us for the brain dumps and pass their exams joyfully and effortlessly. They never trade off on their review, reputation and quality on the grounds that killexams review, killexams reputation and killexams customer certainty is imperative to us. Uniquely they deal with killexams.com review, killexams.com reputation, killexams.com sham report objection, killexams.com trust, killexams.com validity, killexams.com report and killexams.com scam. On the off chance that you see any false report posted by their rivals with the name killexams sham report grievance web, killexams.com sham report, killexams.com scam, killexams.com protest or something like this, simply remember there are constantly awful individuals harming reputation of good administrations because of their advantages. There are a huge number of fulfilled clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams hone questions, killexams test simulator. Visit Killexams.com, their specimen questions and test brain dumps, their test simulator and you will realize that killexams.com is the best brain dumps site.

Which is the best practice tests website?
You bet, Killexams is 100 % legit and fully trustworthy. There are several attributes that makes killexams.com legitimate and respectable. It provides up-to-date and 100 % valid test questions including real exams questions and answers. Price is very low as compared to almost all services on internet. The Questions Answers are up graded on frequent basis with most recent questions. Killexams account setup and item delivery is incredibly fast. Data file downloading can be unlimited and very fast. Help support is avaiable via Livechat and E mail. These are the characteristics that makes killexams.com a strong website that come with test prep with real exams questions.



Is killexams.com test material dependable?
There are several Questions Answers provider in the market claiming that they provide actual test Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2024 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf download sites or reseller sites. Thats why killexams.com update test Questions Answers with the same frequency as they are updated in Real Test. test questions provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain examcollection of valid Questions that is kept up-to-date by checking update on daily basis.

If you want to Pass your test Fast with improvement in your knowledge about latest course contents and Topics of new syllabus, They recommend to download PDF test Questions from killexams.com and get ready for actual exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Questions Answers will be provided in your download Account. You can download Premium VCE test files as many times as you want, There is no limit.

Killexams.com has provided VCE VCE test Software to Practice your test by Taking Test Frequently. It asks the Real test Questions and Marks Your Progress. You can take test as many times as you want. There is no limit. It will make your test prep very fast and effective. When you start getting 100% Marks with complete Pool of Questions, you will be ready to take actual Test. Go register for Test in Exam Center and Enjoy your Success.




C1000-065 trial questions | PCAP-31-03 free pdf | MS-203 test cram | 2B0-101 practice questions | NCAC-I practice test | 1Y0-204 free pdf download | CKA test questions | PCSFE trial test questions | CMA Free test PDF | 250-407 practice test | MB-700 test questions | EX200 test Questions | C1000-130 free pdf | CPSA-F examcollection | AZ-140 test prep | CBUNA-CUA cram | 8006 model question | HCE-5710 test Questions | ICYB test tips | BCP-710 mock test |


RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 test Questions
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 syllabus
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 Real test Questions
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 test Cram
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 PDF Download
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 Premium PDF
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 test syllabus
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 testing
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 guide
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 guide
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 teaching
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 real questions
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 Practice Test
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 actual Questions
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 test help
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 learn
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 test Cram
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 actual Questions
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 Test Prep
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 techniques
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 Latest Topics
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 exam
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 Question Bank
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 PDF Download
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 actual Questions
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 premium pdf
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 PDF Download
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 learning
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 syllabus
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 test Questions
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 test
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 PDF Questions
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 boot camp
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 study help
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 practice tests
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 cheat sheet
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 Latest Questions
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 book
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 learning
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 PDF Download
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 test prep
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 test Cram
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 test questions
RHIA - Registered Health Information Administrator (AHIMA RHIA) 2024 PDF questions

Other Healthcare Practice Tests


RHIA trial test questions | NailTech writing test questions | CPHQ test sample |


Best practice tests You Ever Experienced


ML0-320 writing test questions | 4A0-N01 study questions | TCP-BW5 pdf exam | JN0-451 free questions | SAFe-LPM test exam | DES-4122 practice test | H13-612 english test questions | CPAT free test papers | PHNA-BC practice questions | ACA-CHSA test prep questions | AZ-140 practical test | 8010 mock exam | 920-260 examcollection | MB-210 Questions and Answers | CSET test papers | ACA-BIGDATA1 test prep | CGAP practice test | NACE-CIP1-001 test prep | PCNSE-PANOS-9 free test practice | HH0-560 practice exam |





References :


https://killexams-posting.dropmark.com/817438/23586850
https://killexams-posting.dropmark.com/817438/23680162
https://www.instapaper.com/read/1321507525
http://killexams-braindumps.blogspot.com/2020/07/exam-rhia-braindumps-provided-for.html
https://www.coursehero.com/file/67146640/Registered-Health-Information-Administrator-RHIA-RHIApdf/
http://feeds.feedburner.com/ExactlySameRhiaQuestionsAsInRealTestWtf
http://killexamstestprep.blogdigy.com/rhia-registered-health-information-administrator-rhia-practice-test-by-killexams-com-11391013
https://killexams-rhia.jimdofree.com/
https://sites.google.com/view/killexams-rhia-exam-dumps
https://youtu.be/p1UD2mdxLf8
https://files.fm/f/p45swmqd3



Similar Websites :
Pass4sure Certification test Practice Tests
Pass4Sure Certification Question Bank






Direct Download

RHIA Reviews by Customers

Customer Reviews help to evaluate the exam performance in real test. Here all the reviews, reputation, success stories and ripoff reports provided.

RHIA Reviews

100% Valid and Up to Date RHIA Exam Questions

We hereby announce with the collaboration of world's leader in Certification Exam Dumps and Real Exam Questions with Practice Tests that, we offer Real Exam Questions of thousands of Certification Exams Free PDF with up to date VCE exam simulator Software.

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