{"id":412,"type":"Standard","slug":"\/blog\/gesundheit\/betriebliche-krankenversicherung-vor-und-nachteile-der-bkv","media":[],"seo":{"title":"Probonio: Betriebliche Krankenversicherung Vor- und Nachteile","meta":[{"name":"description","content":"Die Vor- und Nachteile betrieblicher Krankenversicherungen und wie sie die Gesundheitsf\u00fcrsorge f\u00fcr Mitarbeiter verbessern oder positiv beeinflussen k\u00f6nnen."},{"name":"generator","content":"TYPO3 CMS x T3Headless"},{"property":"og:title","content":"Betriebliche Krankenversicherung Vor- und Nachteile"},{"property":"og:description","content":"Die Vor- und Nachteile betrieblicher Krankenversicherungen und wie sie die Gesundheitsf\u00fcrsorge f\u00fcr Mitarbeiter verbessern oder positiv beeinflussen 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KB","dimensions":{"width":1590,"height":776},"cropDimensions":{"width":1590,"height":776},"crop":{"social":{"cropArea":{"x":0.03519017669961067,"y":0,"width":0.9296196466007787,"height":1},"selectedRatio":"1_91:1","focusArea":null}},"autoplay":null,"extension":"jpg"}}}}}},"twitterTitle":"Betriebliche Krankenversicherung: Vor- und Nachteile der bKV","twitterDescription":"Die Vor- und Nachteile betrieblicher Krankenversicherungen und wie sie die Gesundheitsf\u00fcrsorge f\u00fcr Mitarbeiter verbessern oder positiv beeinflussen k\u00f6nnen.","twitterCard":"","twitterImage":null},"categories":"","breadcrumbs":[{"title":"Start","link":"https:\/\/probonio.de\/","target":"","active":1,"current":0,"spacer":0,"hasSubpages":0},{"title":"Wissen","link":"","target":"","active":0,"current":0,"spacer":1,"hasSubpages":0},{"title":"Blog & News","link":"\/blog","target":"","active":1,"current":0,"spacer":0,"hasSubpages":1},{"title":"Betriebliche Krankenversicherung: Vor- und Nachteile der bKV","link":"\/blog\/gesundheit\/betriebliche-krankenversicherung-vor-und-nachteile-der-bkv","target":"","active":1,"current":1,"spacer":0,"hasSubpages":0}],"appearance":{"layout":"layout-0","backendLayout":"default","hideBreadcrumbs":0},"content":{"colPos1":[{"id":4853,"type":"probonio-3col-container","colPos":1,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"","subheader":"","background-color":"","left":[{"id":4854,"type":"text","colPos":201,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"","subheader":"","headerLayout":2,"headerPosition":"","headerLink":"","bodytext":"<p><strong>Romy Haubold<\/strong><br>Marketing-Expertin<\/p>"}}],"middle":[{"id":4855,"type":"text","colPos":202,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"","subheader":"","headerLayout":2,"headerPosition":"","headerLink":"","bodytext":"<p class=\"text-center\">Lesezeit: 6 Minuten<\/p>"}}],"right":[{"id":4856,"type":"text","colPos":203,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"","subheader":"","headerLayout":2,"headerPosition":"","headerLink":"","bodytext":"<p class=\"text-end\">Aktualisiert: 13. Februar 2026<\/p>"}}]}},{"id":4857,"type":"probonio-1col-container","colPos":1,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"","subheader":"","background-color":"lightblue","content":[{"id":4858,"type":"text","colPos":201,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"Inhalt","subheader":"","headerLayout":2,"headerPosition":"","headerLink":"","bodytext":"<ol class=\"list-circle\"><li class=\"ck-list-marker-bold\" data-list-item-id=\"ef2bbf05fd4524933584b3569cefbda6a\"><a href=\"#c4861\" class=\"group relative w-full flex items-center gap-1.5 text-sm before:absolute before:z-[-1] before:rounded-md focus:outline-none focus-visible:outline-none dark:focus-visible:outline-none focus-visible:before:ring-inset focus-visible:before:ring-2 font-semibold group-data-[state=open]:text-red-700 py-3! flex-row px-2.5 py-1.5 before:inset-y-px before:inset-x-0 hover:text-red-700 text-red-700 data-[state=open]:text-red-700 transition-colors focus-visible:before:ring-red-700\"><strong>Was ist eine betriebliche Krankenversicherung?<\/strong><\/a><\/li><li class=\"ck-list-marker-bold\" data-list-item-id=\"ee8b149bc917db43697c06c3d3d363430\"><a href=\"#c4863\" class=\"group relative w-full flex items-center gap-1.5 text-sm before:absolute before:z-[-1] before:rounded-md focus:outline-none focus-visible:outline-none dark:focus-visible:outline-none focus-visible:before:ring-inset focus-visible:before:ring-2 font-semibold group-data-[state=open]:text-red-700 py-3! flex-row px-2.5 py-1.5 before:inset-y-px before:inset-x-0 text-highlighted hover:text-red-700 data-[state=open]:text-red-700 transition-colors focus-visible:before:ring-red-700\"><strong>Vor- und Nachteile der betrieblichen Krankenversicherung f\u00fcr Arbeitnehmer<\/strong><\/a><\/li><li class=\"ck-list-marker-bold\" data-list-item-id=\"ebfe788b3566ba9e6ee40e571afb641d5\"><a href=\"#c4866\" class=\"group relative w-full flex items-center gap-1.5 text-sm before:absolute before:z-[-1] before:rounded-md focus:outline-none focus-visible:outline-none dark:focus-visible:outline-none focus-visible:before:ring-inset focus-visible:before:ring-2 font-semibold group-data-[state=open]:text-red-700 py-3! flex-row px-2.5 py-1.5 before:inset-y-px before:inset-x-0 text-highlighted hover:text-red-700 data-[state=open]:text-red-700 transition-colors focus-visible:before:ring-red-700\"><strong>Vor- und Nachteile der betrieblichen Krankenversicherung f\u00fcr Arbeitgeber<\/strong><\/a><\/li><li class=\"ck-list-marker-bold\" data-list-item-id=\"ec26763e8a90130212b916693f2231fab\"><a href=\"#c4872\" class=\"group relative w-full flex items-center gap-1.5 text-sm before:absolute before:z-[-1] before:rounded-md focus:outline-none focus-visible:outline-none dark:focus-visible:outline-none focus-visible:before:ring-inset focus-visible:before:ring-2 font-semibold group-data-[state=open]:text-red-700 py-3! flex-row px-2.5 py-1.5 before:inset-y-px before:inset-x-0 text-highlighted hover:text-red-700 data-[state=open]:text-red-700 transition-colors focus-visible:before:ring-red-700\"><strong>Lohnt sich eine betriebliche Krankenversicherung?<\/strong><\/a><\/li><li class=\"ck-list-marker-bold\" data-list-item-id=\"e9916fcc79e11f463415656ddadd13d70\"><a href=\"#c4873\" class=\"group relative w-full flex items-center gap-1.5 text-sm before:absolute before:z-[-1] before:rounded-md focus:outline-none focus-visible:outline-none dark:focus-visible:outline-none focus-visible:before:ring-inset focus-visible:before:ring-2 font-semibold group-data-[state=open]:text-red-700 py-3! flex-row px-2.5 py-1.5 before:inset-y-px before:inset-x-0 text-highlighted hover:text-red-700 data-[state=open]:text-red-700 transition-colors focus-visible:before:ring-red-700\"><strong>Was gilt es bei einer betrieblichen Krankenversicherung zu beachten?<\/strong><\/a><\/li><li class=\"ck-list-marker-bold\" data-list-item-id=\"e3afd0991ac758e5ce7da5fbcd6a63065\"><a href=\"#c4874\" class=\"group relative w-full flex items-center gap-1.5 text-sm before:absolute before:z-[-1] before:rounded-md focus:outline-none focus-visible:outline-none dark:focus-visible:outline-none focus-visible:before:ring-inset focus-visible:before:ring-2 font-semibold group-data-[state=open]:text-red-700 py-3! flex-row px-2.5 py-1.5 before:inset-y-px before:inset-x-0 text-highlighted hover:text-red-700 data-[state=open]:text-red-700 transition-colors focus-visible:before:ring-red-700\"><strong>Fazit: Diese Vor- und Nachteile der betrieblichen Krankenversicherung sollten Sie kennen<\/strong><\/a><\/li><\/ol>"}}]}},{"id":4860,"type":"text","colPos":1,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"","subheader":"","headerLayout":2,"headerPosition":"","headerLink":"","bodytext":"<p>In Deutschland besteht eine <strong>Pflicht zur Krankenversicherung<\/strong>. Da jedoch die meisten gesetzlich versichert sind und hier nicht alle n\u00f6tigen Leistungen abgedeckt sind, entsteht eine Versorgungsl\u00fccke. Mit einer <strong>betrieblichen Krankenversicherung<\/strong> l\u00e4sst sich dem entgegenwirken. Welche <strong>Vor- und Nachteile<\/strong> sie hat und wieso Sie als Arbeitgeber von diesem Benefit f\u00fcr Ihre Mitarbeiter profitieren, zeigt dieser Beitrag.<\/p>"}},{"id":4859,"type":"text","colPos":1,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"<span class=\"text-primary\">Das Wichtigste in K\u00fcrze<\/span>","subheader":"","headerLayout":2,"headerPosition":"","headerLink":"","bodytext":"<ul class=\"list-check\"><li data-list-item-id=\"ed50a8b5657e76ebc5f0005e3e70b6040\">Die betriebliche Krankenversicherung (bKV) ist eine optimale Erg\u00e4nzung zur gesetzlichen Rentenversicherung.<\/li><li data-list-item-id=\"e0e52afa809078d3f35cd51cf8119e93a\">Es handelt sich um eine freiwillige Leistung seitens des Arbeitgebers f\u00fcr seine Angestellten.<\/li><li data-list-item-id=\"e7851eda8d0f34fd5fdbd047d42b6f072\">Die betriebliche Krankenversicherung geht sowohl f\u00fcr den Arbeitgeber als auch f\u00fcr den Arbeitnehmer mit Vor- und Nachteilen einher.<\/li><li data-list-item-id=\"e0866839304612783cff1dea4990fcf76\">Generell \u00fcberwiegen die Vorteile jedoch, sodass sich eine bKV allemal f\u00fcr beide Seiten lohnt.<\/li><\/ul>"}},{"id":4861,"type":"text","colPos":1,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"Was ist eine betriebliche Krankenversicherung?","subheader":"","headerLayout":2,"headerPosition":"","headerLink":"","bodytext":"<p>Die betriebliche Krankenversicherung (bKV) ist genauso wie die <a href=\"https:\/\/www.probonio.de\/betriebliche-altersvorsorge\" target=\"null\" rel=\"noreferrer\">betriebliche Altersvorsorge<\/a> eine <strong>Zusatzversicherung f\u00fcr Arbeitnehmer<\/strong>. Voraussetzung daf\u00fcr ist, dass sie bereits \u00fcber eine gesetzliche Krankenkasse versichert sind. Die betriebliche Krankenversicherung inkludiert Leistungen, die es ansonsten <strong>nur in der privaten Krankenversicherung<\/strong> gibt.<\/p>\n<p>Damit Arbeitnehmer eine bKV in Anspruch nehmen k\u00f6nnen, ist es n\u00f6tig, dass ihr Arbeitgeber diese \u00fcberhaupt anbietet. Es ist in Deutschland nicht verpflichtend, f\u00fcr eine betriebliche Krankenversicherung zu sorgen.<\/p>"}},{"id":4862,"type":"image","colPos":1,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"","subheader":"","headerLayout":2,"headerPosition":"","headerLink":"","files":[{"publicUrl":"https:\/\/website-assets.probonio.de\/_processed_\/9\/f\/csm_pexels-leeloothefirst-7163944_c4c6b58352.webp","properties":{"title":"Health-insurance","alternative":"Im Hintergrund liegen ein Laptop und ein Kalender. Darauf liegen Holzbuchstaben mit den Worten Health Insurance.","description":null,"link":null,"linkData":null,"mimeType":"image\/webp","type":"image","filename":"csm_pexels-leeloothefirst-7163944_c4c6b58352.webp","originalUrl":"https:\/\/website-assets.probonio.de\/Header_Navigation\/Wissen\/Blog_News\/pexels-leeloothefirst-7163944.jpg","uidLocal":1064,"fileReferenceUid":3585,"size":"240 KB","dimensions":{"width":2560,"height":1709},"cropDimensions":{"width":2560,"height":1709},"crop":{"default":{"cropArea":{"x":0,"y":0,"width":1,"height":1},"selectedRatio":"NaN","focusArea":null}},"autoplay":null,"extension":null},"cropVariants":{"default":{"sourceSet":{"480":{"publicUrl":"https:\/\/website-assets.probonio.de\/_processed_\/9\/f\/csm_pexels-leeloothefirst-7163944_9d8135e7bf.webp","properties":{"title":"Health-insurance","alternative":"Im Hintergrund liegen ein Laptop und ein Kalender. Darauf liegen Holzbuchstaben mit den Worten Health Insurance.","description":null,"link":null,"linkData":null,"mimeType":"image\/webp","type":"image","filename":"csm_pexels-leeloothefirst-7163944_9d8135e7bf.webp","originalUrl":"https:\/\/website-assets.probonio.de\/Header_Navigation\/Wissen\/Blog_News\/pexels-leeloothefirst-7163944.jpg","uidLocal":1064,"fileReferenceUid":3585,"size":"14 KB","dimensions":{"width":480,"height":320},"cropDimensions":{"width":480,"height":320},"crop":{"default":{"cropArea":{"x":0,"y":0,"width":1,"height":1},"selectedRatio":"NaN","focusArea":null}},"autoplay":null,"extension":null}},"768":{"publicUrl":"https:\/\/website-assets.probonio.de\/_processed_\/9\/f\/csm_pexels-leeloothefirst-7163944_3fc763f971.webp","properties":{"title":"Health-insurance","alternative":"Im Hintergrund liegen ein Laptop und ein Kalender. Darauf liegen Holzbuchstaben mit den Worten Health Insurance.","description":null,"link":null,"linkData":null,"mimeType":"image\/webp","type":"image","filename":"csm_pexels-leeloothefirst-7163944_3fc763f971.webp","originalUrl":"https:\/\/website-assets.probonio.de\/Header_Navigation\/Wissen\/Blog_News\/pexels-leeloothefirst-7163944.jpg","uidLocal":1064,"fileReferenceUid":3585,"size":"25 KB","dimensions":{"width":768,"height":513},"cropDimensions":{"width":768,"height":513},"crop":{"default":{"cropArea":{"x":0,"y":0,"width":1,"height":1},"selectedRatio":"NaN","focusArea":null}},"autoplay":null,"extension":null}},"1600":{"publicUrl":"https:\/\/website-assets.probonio.de\/_processed_\/9\/f\/csm_pexels-leeloothefirst-7163944_a010b05c25.webp","properties":{"title":"Health-insurance","alternative":"Im Hintergrund liegen ein Laptop und ein Kalender. Darauf liegen Holzbuchstaben mit den Worten Health Insurance.","description":null,"link":null,"linkData":null,"mimeType":"image\/webp","type":"image","filename":"csm_pexels-leeloothefirst-7163944_a010b05c25.webp","originalUrl":"https:\/\/website-assets.probonio.de\/Header_Navigation\/Wissen\/Blog_News\/pexels-leeloothefirst-7163944.jpg","uidLocal":1064,"fileReferenceUid":3585,"size":"68 KB","dimensions":{"width":1600,"height":1068},"cropDimensions":{"width":1600,"height":1068},"crop":{"default":{"cropArea":{"x":0,"y":0,"width":1,"height":1},"selectedRatio":"NaN","focusArea":null}},"autoplay":null,"extension":null}},"2560":{"publicUrl":"https:\/\/website-assets.probonio.de\/_processed_\/9\/f\/csm_pexels-leeloothefirst-7163944_e5e8e0fcf8.webp","properties":{"title":"Health-insurance","alternative":"Im Hintergrund liegen ein Laptop und ein Kalender. Darauf liegen Holzbuchstaben mit den Worten Health Insurance.","description":null,"link":null,"linkData":null,"mimeType":"image\/webp","type":"image","filename":"csm_pexels-leeloothefirst-7163944_e5e8e0fcf8.webp","originalUrl":"https:\/\/website-assets.probonio.de\/Header_Navigation\/Wissen\/Blog_News\/pexels-leeloothefirst-7163944.jpg","uidLocal":1064,"fileReferenceUid":3585,"size":"240 KB","dimensions":{"width":2560,"height":1709},"cropDimensions":{"width":2560,"height":1709},"crop":{"default":{"cropArea":{"x":0,"y":0,"width":1,"height":1},"selectedRatio":"NaN","focusArea":null}},"autoplay":null,"extension":null}}}}}}]}},{"id":4863,"type":"text","colPos":1,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"Vor- und Nachteile der betrieblichen Krankenversicherung f\u00fcr Arbeitnehmer","subheader":"","headerLayout":2,"headerPosition":"","headerLink":"","bodytext":"<p>F\u00fcr Arbeitnehmer m\u00f6gen die Vorteile bereits auf der Hand liegen. Dennoch lohnt es sich, sich genauer mit den <strong>Vorz\u00fcgen einer betrieblichen Krankenversicherung<\/strong> sowie mit den etwaigen <strong>Risiken<\/strong> zu befassen.<\/p>\n<p>&nbsp;<\/p>"}},{"id":4864,"type":"text","colPos":1,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"Vorteile der betrieblichen Krankenversicherung","subheader":"","headerLayout":3,"headerPosition":"","headerLink":"","bodytext":"<p>Die wichtigsten Vorteile einer bKV f\u00fcr Arbeitnehmer bestehen darin, dass sie Leistungen in Anspruch nehmen k\u00f6nnen, die f\u00fcr gesetzlich Versicherte meist in weiter Ferne liegen. Dazu z\u00e4hlen:&nbsp;<\/p><ul><li data-list-item-id=\"e94387a9b22a343d4929f87e50cb3fb77\"><p style=\"margin-left:0px;\">Schlie\u00dfen der <strong>Versorgungsl\u00fccken<\/strong> aus der gesetzlichen Krankenversicherung (GKV)<\/p><\/li><li data-list-item-id=\"e98218b296431b8b097dc316036ec45f4\"><p style=\"margin-left:0px;\"><strong>Beitragszahlung<\/strong> durch den Arbeitgeber<\/p><\/li><li data-list-item-id=\"ee71ef6be0ed31e2ab9cf90e148b07c56\"><p style=\"margin-left:0px;\"><strong>Mitversicherung<\/strong> von Ehepartner und Kinder<\/p><\/li><\/ul><p>Im Gegensatz zur privaten Krankenversicherung (PKV) bietet die betriebliche Krankenversicherung klare Pluspunkte. Wir haben die wichtigsten Aspekte f\u00fcr Sie gegen\u00fcbergestellt:<\/p><figure class=\"table\"><table style=\"border:0px solid inherit;\"><thead><tr><th style=\"border-width:0px;padding:0px;\"><strong>Private Krankenversicherung<\/strong><\/th><th style=\"border-width:0px;padding:0px;\"><strong>Betriebliche Krankenversicherung<\/strong><\/th><\/tr><tr><th style=\"border-width:0px;padding:16px;\">Strenge Gesundheitsfragen beim Abschluss (Risiko, dass Versicherte nicht angenommen werden)<\/th><th style=\"border-width:0px;padding:16px;\">Keine oder vereinfachte Gesundheitsfragen (vermindertes bis gar kein Risiko der Ablehnung)<\/th><\/tr><\/thead><tbody><tr><td style=\"border-width:0px;padding:16px;\">Keine Mitversicherung von Familienmitgliedern m\u00f6glich<\/td><td style=\"border-width:0px;padding:16px;\">Mitversicherung von Ehepartnern und Kindern je nach Tarif m\u00f6glich<\/td><\/tr><tr><td style=\"border-width:0px;padding:16px;\">Hohe Kosten vieler gew\u00fcnschten Leistungen<\/td><td style=\"border-width:0px;padding:16px;\">Oftmals besseres Preis-Leistungs-Verh\u00e4ltnis<\/td><\/tr><tr><td style=\"border-width:0px;padding:16px;\">Lange Wartezeiten m\u00f6glich<\/td><td style=\"border-width:0px;padding:16px;\">Keine Wartezeiten<\/td><\/tr><\/tbody><\/table><\/figure>"}},{"id":4865,"type":"text","colPos":1,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"Nachteile der betrieblichen Krankenversicherung f\u00fcr Arbeitnehmer","subheader":"","headerLayout":3,"headerPosition":"","headerLink":"","bodytext":"<p>Ein <strong>Nachteil der betrieblichen Krankenversicherung<\/strong> besteht f\u00fcr Arbeitnehmer darin, dass der Versicherungsschutz bei einem Arbeitgeberwechsel verloren geht. Wer den Arbeitgeber trotzdem wechseln und weiterhin von den Vorteilen der bKV profitieren m\u00f6chte, muss eine private Zusatzversicherung abschlie\u00dfen. Dadurch entstehen allerdings <strong>Mehrkosten<\/strong>. Vielleicht bietet aber auch der neue Arbeitgeber eine <strong>gleichwertige bKV<\/strong> an.<\/p>\n<p>Wer ein Sabbatjahr einlegt oder sich in Elternzeit befindet, muss sich entscheiden: Entweder l\u00e4sst man den Vertrag ruhen oder aber man bezahlt die <strong>Beitr\u00e4ge aus eigener Tasche<\/strong>. Dies sollten Versicherte bei ihren Planungen daher im Hinterkopf behalten.<\/p>\n<p>Ein <strong>potenzieller Nachteil<\/strong> der betrieblichen Krankenversicherung stellt sich auch bei privat versicherten Angestellten heraus. Diese Mitarbeiter erfahren zwar keinen direkten Nachteil, aber auch keinen Vorteil. Denn die Leistungen, die die bKV zu bieten hat, sind in einer privaten Krankenversicherung meist bereits inkludiert.<\/p>\n<p>Somit l\u00e4sst sich sagen: Wirkliche Nachteile der betrieblichen Krankenversicherung gibt es f\u00fcr Angestellte nicht. Es sind im Grunde also <strong>nur Vorteile<\/strong> zu verbuchen.<\/p>"}},{"id":4866,"type":"text","colPos":1,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"Vor- und Nachteile der betrieblichen Krankenversicherung f\u00fcr Arbeitgeber","subheader":"","headerLayout":2,"headerPosition":"","headerLink":"","bodytext":"<p>Auch auf der <strong>Arbeitgeberseite<\/strong> gibt es gewisse Vor- und Nachteile der betrieblichen Krankenversicherung, die es zu beachten gilt. Wir haben die wichtigsten Aspekte f\u00fcr Sie zusammengetragen, sodass Sie individuell entscheiden k\u00f6nnen, ob Sie als Arbeitgeber Ihren Mitarbeitern eine bKV zur Verf\u00fcgung stellen m\u00f6chten oder nicht.<\/p>"}},{"id":4867,"type":"text","colPos":1,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"So profitieren Arbeitgeber von der betrieblichen Krankenversicherung","subheader":"","headerLayout":3,"headerPosition":"","headerLink":"","bodytext":"<p>Generell ist die bKV absolut praktisch, wenn es um <strong>Gehaltsverhandlungen<\/strong> von neuen sowie bestehenden Mitarbeitern geht. Sie kann als Alternative zur Gehaltserh\u00f6hung angeboten werden, was langfristig Kosten sparen kann.<\/p>\n<p>Aufgrund der zahlreichen Vorteile, die die betriebliche Krankenversicherung f\u00fcr Arbeitnehmer bietet, erweisen sich Arbeitgeber als besonders attraktiv, wenn sie eine bKV anbieten. Damit bleiben sie <strong>wettbewerbsf\u00e4hig<\/strong> und k\u00f6nnen die Mitarbeiter f\u00fcr sich gewinnen, die wirklich in das Unternehmen passen. Gewisse Benefits gelten immer als kr\u00e4ftiges Argument, wenn es um die <strong>Wahl des Arbeitgebers<\/strong> geht.&nbsp;<\/p>\n<p>Ein weiterer Pluspunkt, den die bKV f\u00fcr Arbeitgeber mit sich bringt, ist die <strong>gesteigerte Mitarbeiterzufriedenheit<\/strong>. Und wo zufriedene Mitarbeiter arbeiten, besteht wenig Fluktuation. So lassen sich Angestellte an das Unternehmen binden, was vor allem bei qualifiziertem Personal angestrebt wird.<\/p>\n<p>Als Arbeitgeber mit einer bKV im Angebot k\u00f6nnen Sie zudem die Ausfallzeiten Ihrer Mitarbeiter senken. Dank der zahlreichen Leistungen haben Angestellte mehr M\u00f6glichkeiten, ihre <strong>Gesundheit zu st\u00e4rken<\/strong> und <strong>Vorsorge zu betreiben<\/strong>. Das f\u00fchrt nicht nur zu einem gesteigerten Wohlbefinden, was die <strong>Produktivit\u00e4t am Arbeitsplatz<\/strong> erh\u00f6ht, sondern sorgt ebenfalls f\u00fcr eine verringerte Zahl an Krankentagen.<\/p>\n<p>Als Arbeitgeber k\u00f6nnen Sie die Kosten, die Ihnen f\u00fcr die betriebliche Krankenversicherung anfallen, von der Steuer absetzen. Alle Beitr\u00e4ge lassen sich als <strong>Betriebsausgaben<\/strong> steuerlich geltend machen. Zudem h\u00e4lt sich der <strong>Verwaltungsaufwand<\/strong> gering und Sie k\u00f6nnen <strong>B\u00fcndelrabatte<\/strong> nutzen, um weiter zu sparen.<\/p>"}},{"id":4868,"type":"image","colPos":1,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"","subheader":"","headerLayout":2,"headerPosition":"","headerLink":"","files":[{"publicUrl":"https:\/\/website-assets.probonio.de\/_processed_\/9\/7\/csm_woman-4702060_1280_9f3c7d7c7f.webp","properties":{"title":null,"alternative":"Frau steht L\u00e4chelnd neben einem Whiteboard.","description":null,"link":null,"linkData":null,"mimeType":"image\/webp","type":"image","filename":"csm_woman-4702060_1280_9f3c7d7c7f.webp","originalUrl":"https:\/\/website-assets.probonio.de\/Header_Navigation\/Wissen\/Blog_News\/woman-4702060_1280.jpg","uidLocal":1065,"fileReferenceUid":3586,"size":"43 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data-list-item-id=\"e3974cb9327063c8a1f76b12c3b888e08\"><p style=\"margin-left:0px;\">Gesteigerte Mitarbeiterzufriedenheit und -bindung<\/p><\/li><li data-list-item-id=\"ef7bde1def1b1a2274690cf4da15290fb\"><p style=\"margin-left:0px;\">\u00dcberschaubarer Verwaltungsaufwand und M\u00f6glichkeit auf effektive B\u00fcndelrabatte<\/p><\/li><li data-list-item-id=\"e3cf263bcf6e326824dbef697256aaed5\"><p style=\"margin-left:0px;\">Steuerliche Absetzbarkeit der Beitr\u00e4ge zur bKV<\/p><\/li><li data-list-item-id=\"e12964b4a5352cbb841f6f6bc1c38edab\"><p style=\"margin-left:0px;\">Alternative zu Gehaltserh\u00f6hungen<\/p><\/li><li data-list-item-id=\"e1cb966641cbba710ca5725e2ed6bba3e\"><p style=\"margin-left:0px;\">Senkung der Ausfallzeiten von Mitarbeitern<\/p><\/li><\/ul>"}}]}},{"id":4871,"type":"text","colPos":1,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"Hat die betriebliche Krankenversicherung f\u00fcr Arbeitgeber auch Nachteile?","subheader":"","headerLayout":3,"headerPosition":"","headerLink":"","bodytext":"<p>Wenn \u00fcber die Vor- und Nachteile der betrieblichen Krankenversicherung gesprochen wird, m\u00fcssen auch Punkte angemerkt werden, die sich f\u00fcr Arbeitgeber als <strong>Nachteil<\/strong> erweisen k\u00f6nnten. Dazu z\u00e4hlen in erster Linie die <strong>Ausgaben<\/strong>. Unternehmen, die sich keine Beitr\u00e4ge f\u00fcr die bKV ihrer Angestellten leisten k\u00f6nnen, sollten von dem Angebot absehen. Da sich die Kosten allerdings von der Steuer absetzen lassen und es Sparpakete f\u00fcr Firmen mit mehreren Angestellten gibt, ist der Kostenfaktor heute fast kein Argument mehr. Au\u00dferdem handelt es sich um eine <strong>Investition in die Zukunft<\/strong> Ihres Unternehmens. Die Vorteile \u00fcberwiegen allemal.<\/p>\n<p>Als potenziellen Nachteil der betrieblichen Krankenversicherung f\u00fcr Arbeitgeber l\u00e4sst sich auch der m\u00f6gliche <strong>administrative Aufwand<\/strong> nennen. Manchen Firmen ist es zu aufwendig, sich mit der steuerlichen Absetzbarkeit und dem restlichen \u201ePapierkram\u201c auseinanderzusetzen. Aus diesem Grund gibt es Anbieter wie <a href=\"https:\/\/www.probonio.de\/\" target=\"null\" rel=\"noreferrer\">Probonio<\/a>, die dabei helfen, Leistungen wie die betriebliche Krankenversicherung als Arbeitgeber zu integrieren. Dank einer <a href=\"https:\/\/www.probonio.de\/benefit-integration\" target=\"null\" rel=\"noreferrer\">individuellen Benefit-Integration<\/a> k\u00f6nnen Sie <strong>Mitarbeitervorteile<\/strong> so einfach wie noch nie verwalten.<\/p>\n<p>Die Erfahrung zeigt: Bei einer betrieblichen Krankenversicherung <strong>\u00fcberwiegen die Vorteile die Nachteile<\/strong>.<\/p>"}},{"id":4872,"type":"text","colPos":1,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"Lohnt sich eine betriebliche Krankenversicherung?","subheader":"","headerLayout":2,"headerPosition":"","headerLink":"","bodytext":"<p>Um die Frage kl\u00e4ren zu k\u00f6nnen, ob sich eine betriebliche Krankenversicherung lohnt, ist es wichtig, die Vor- und Nachteile des Versicherungsmodells zu kennen. Dabei wird ganz klar zwischen den Einfl\u00fcssen auf Arbeitnehmer und Arbeitgeber unterschieden.<\/p>\n<p>F\u00fcr Arbeitgeber lohnt sich das Angebot einer betrieblichen Krankenversicherung in vielerlei Hinsicht. Die <strong>Vorteile f\u00fcr den Arbeitnehmer<\/strong> liegen auf der Hand.<\/p>\n<p>Damit alle Vorteile der bKV voll zum Tragen kommen, ist es wichtig, die richtige Art der Versteuerung zu w\u00e4hlen. Sinnvolle Arten der Versteuerung sind die <strong>Pauschalversteuerung<\/strong> oder die <strong>Nettolohnversteuerung<\/strong>. Hier genie\u00dfen vor allem Angestellte zahlreiche Vorz\u00fcge. Auch die Versteuerung als geldwerter Vorteil ist m\u00f6glich, wodurch sich meist <strong>f\u00fcr den Arbeitgeber mehr Vorz\u00fcge<\/strong> herausstellen. Allerdings fallen die Leistungen f\u00fcr den Arbeitnehmer etwas geringer aus.<\/p>"}},{"id":4873,"type":"text","colPos":1,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"Was gilt es bei einer betrieblichen Krankenversicherung zu beachten?","subheader":"","headerLayout":2,"headerPosition":"","headerLink":"","bodytext":"<p>Als Arbeitgeber sind Sie nun vielleicht geneigt, in eine betriebliche Krankenversicherung f\u00fcr Ihre Mitarbeiter zu investieren. Denn auch wenn sie sowohl Vor- als auch Nachteile bietet, ist sie eine hervorragende Wahl. Sie sollten allerdings <strong>ein paar Dinge beachten<\/strong>, damit Sie die Vorteile voll aussch\u00f6pfen k\u00f6nnen:<\/p><ul><li data-list-item-id=\"e85bb693383fbfea9c772bfbae4a8ba52\"><p style=\"margin-left:0px;\">W\u00e4hlen Sie die <strong>richtige Versteuerung<\/strong>. Im Zweifelsfall sollten Sie Unterst\u00fctzung durch einen Probonio-Berater in Erw\u00e4gung ziehen.<\/p><\/li><li data-list-item-id=\"e5e1b6ea195081e4ca36efb24c7cc56d8\"><p style=\"margin-left:0px;\">Kommunizieren Sie die <strong>Konditionen<\/strong> klar. So wissen Ihre Angestellten, dass in entgeltfreien Zeiten keine Zahlung der Beitr\u00e4ge erfolgt und welche Leistungen inkludiert sind.<\/p><\/li><li data-list-item-id=\"eda2f2ce8925c11d07fd0e33f77d503a6\"><p style=\"margin-left:0px;\">Entscheiden Sie sich f\u00fcr ein <strong>passendes Produkt<\/strong>. Sie selbst entscheiden, welche Leistungen den Versicherten der betrieblichen Krankenversicherung zustehen. Damit bestimmen Sie selbst, wie viel die bKV f\u00fcr Sie kostet.<\/p><\/li><\/ul><p>Wenn Sie alle relevanten Faktoren ber\u00fccksichtigen, k\u00f6nnen sowohl Sie als auch Ihre Mitarbeiter in vollen Z\u00fcgen von den Vorteilen einer betrieblichen Krankenversicherung profitieren \u2013 ohne die etwaigen Nachteile!<\/p>"}},{"id":4874,"type":"text","colPos":1,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"Fazit: Diese Vor- und Nachteile der betrieblichen Krankenversicherung sollten Sie kennen","subheader":"","headerLayout":2,"headerPosition":"","headerLink":"","bodytext":"<p>Die betriebliche Krankenversicherung geht mit einigen Vor- und Nachteilen einher, wobei die <strong>Vorteile<\/strong> hier ganz klar \u00fcberwiegen \u2013 und zwar <strong>f\u00fcr beide Seiten<\/strong>. Sowohl Arbeitnehmer als auch Arbeitgeber profitieren in hohem Ma\u00dfe von den M\u00f6glichkeiten, die sich aus der bKV ergeben. Hier hat jeder die M\u00f6glichkeit, den Versicherungsschutz einer privaten Krankenversicherung zu genie\u00dfen, auch wenn eine Risikobeurteilung anhand von Gesundheitsfragen dies nicht zul\u00e4sst. Arbeitgeber sorgen damit f\u00fcr ein <strong>hohes Ma\u00df an Mitarbeiterbindung und -zufriedenheit<\/strong>. Um die Vorteile der betrieblichen Krankenversicherung in vollem Ma\u00df aussch\u00f6pfen zu k\u00f6nnen und damit keine Nachteile entstehen, gibt es allerdings ein paar Dinge zu ber\u00fccksichtigen.<\/p>"}}],"colPos0":[{"id":4852,"type":"probonio_hero","colPos":0,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"headline":"<span class=\"text-secondary\">Betriebliche Krankenversicherung:<\/span> Vor- und Nachteile der 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