KVInfo.Lohnmeister.ai ↗

KOLLEKTIVVERTRÄGE ÖSTERREICH

Christlichen Krankenhäuser Kärntens

Kärnten · Arbeiter

Tabellen öffnen & umrechnen ↗

Erhöhungsart

Noch nicht belegt · Offen

Im vorliegenden Quellenstand ist die Erhöhungsart noch nicht eindeutig belegt. Daraus folgt weder eine reine Mindest-KV-Anpassung noch das Fehlen einer IST-Erhöhung.

Im vorliegenden Quellenstand ist die Erhöhungsart noch nicht eindeutig belegt. Daraus folgt weder eine reine Mindest-KV-Anpassung noch das Fehlen einer IST-Erhöhung.

Quellen & Datenstand

Automatisch aufbereiteter Quellenstand · noch nicht redaktionell freigegeben

Volltext zuletzt abgerufen: 19.10.2026

Automatisch aufbereiteter Archivstand. Die Angaben sind noch nicht redaktionell geprüft. Normalarbeitszeit laut Quellenstand: 38 / 40 Wochenstunden. Mehrere oder bedingte Regelungen – Geltungsbereich in den Kennzahlen prüfen. Sonderzahlungen (automatische Extraktion): je ein Monatsentgelt (Urlaubs- + Weihnachtsgeld)

Originalbeträge und Einheiten laut Tabellenkopf. Gültigkeitszeiträume stehen an der jeweiligen Tabelle.

Gehaltstabellen ab 01.01.2025

Gültig ab 01.01.2025

StufeÄrzteAkademischer DienstMed-technischer Dienst, Dienst der Sozialarbeiter, Dienst der Psychotherapeuten, Dienst der Musiktherapeuten, kardiotechnischer Dienst und Dienst der Hebammen
ksk 2
ks1ks2ks3ks4k 1bk 1ck 1dk 2ak 2bk 2c
14.310,114.342,015.002,297.236,263.909,935.054,001.553,543.139,933.396,483.611,34
24.468,204.501,475.002,297.236,263.977,855.122,041.663,993.187,173.450,993.665,79
34.622,144.656,825.002,297.236,264.046,135.190,071.774,453.233,953.505,643.720,36
44.778,834.882,855.002,297.236,264.114,045.305,69-3.281,053.615,463.830,34
55.211,525.422,295.106,297.236,264.182,205.422,28-3.328,133.673,943.888,72
65.314,135.560,975.243,597.236,264.297,715.649,85-3.374,953.733,553.948,46
75.450,045.746,825.429,427.236,264.414,315.765,61-3.422,133.795,824.010,62
85.585,966.436,016.118,647.236,264.642,005.882,57-3.469,203.857,704.072,59
9-6.612,166.294,767.333,274.757,675.999,19-3.516,163.945,104.160,00
10-6.788,266.470,877.444,494.873,476.116,31-3.618,244.033,174.247,97
11-6.964,386.648,407.513,714.988,956.233,93-3.668,314.149,054.363,59
12-7.141,896.824,528.868,605.105,216.350,80-3.719,394.265,154.479,97
13-7.315,237.000,629.055,825.221,316.503,83-3.772,094.381,164.595,83
14--7.176,779.243,045.337,076.656,45-3.825,354.496,374.711,28
15--7.352,889.430,265.488,676.809,48-3.879,174.612,404.827,14
16--7.528,999.617,465.639,936.962,37-3.932,664.782,334.997,22
17--7.706,499.806,065.791,587.115,64-3.986,394.898,735.113,73
18--7.882,639.993,265.944,477.324,37-4.039,735.014,325.229,23
19--8.058,7210.180,476.097,767.477,80-4.093,205.130,685.345,60
20--8.280,6010.416,226.306,227.631,13-4.146,675.246,295.461,46
21--8.473,3810.621,496.459,777.784,57-4.200,025.361,915.576,81
22--8.680,0210.840,596.613,047.938,08-4.253,365.477,665.692,26
23--8.892,1811.066,666.766,568.091,60-4.307,055.593,245.808,54
24--9.115,4511.303,776.920,048.244,87-4.360,555.708,845.925,15
25--9.347,0611.550,627.073,718.398,11-4.414,065.824,856.042,01
26--9.586,9611.805,797.226,978.551,64-4.467,505.941,706.158,60
27----7.380,248.705,32-4.520,736.058,676.275,50
28----7.533,76--4.574,306.175,216.392,33
29----7.687,17--4.627,956.291,946.508,97
30-------4.735,256.409,036.625,94
Originalquelle zur Tabelle ↗

Gehaltstabellen ab 01.01.2025

Gültig ab 01.01.2025

StufeGehobener Dienst für Gesundheits- und Krankenpflege, Operationstechnische AssistenzMittlerer Verwaltungs- und Kanzleidienst und FachdienstSanitätshilfsdienst, Altenhelfer, Medizinische Assistenzberufe, Dienst der Pflegeassistenz und Pflegefachassistenz, Ausbildung in einem Pflegeassistenzberuf, Ausbildung zum Spracherwerb zur Ausübung eines Pflegeberufes
k 3k 5k 6
k 3ak 3bk 3ck 5ak 5bk 5ck 6ak 6bk 6ck 6d
13.412,383.512,563.627,452.794,372.864,803.195,672.660,812.817,182.879,023.116,78
23.459,623.559,763.674,382.825,682.907,613.240,452.678,492.848,382.913,333.151,09
33.506,403.606,843.721,432.856,742.950,753.285,262.719,152.880,312.947,503.185,27
43.553,493.653,913.768,272.889,382.993,623.330,352.736,922.914,882.982,133.219,89
53.600,573.700,723.815,212.922,703.036,743.377,422.754,482.948,923.016,163.253,93
63.647,393.747,773.862,162.956,273.079,823.424,372.772,372.983,083.050,943.288,71
73.694,593.794,903.909,352.989,633.123,523.471,602.789,943.017,603.085,603.323,38
83.741,663.841,973.956,443.022,933.168,293.518,652.807,573.052,143.120,243.358,00
93.788,613.888,784.003,243.056,573.212,983.565,472.825,063.087,033.155,283.393,03
103.890,293.991,064.105,433.090,263.310,133.667,642.843,043.121,823.189,913.427,69
113.979,384.079,444.194,213.124,253.359,613.717,622.860,493.156,703.225,053.462,82
124.030,384.130,664.245,273.158,773.410,703.768,862.879,023.191,273.261,503.499,25
134.083,114.183,514.298,133.193,523.463,403.821,442.897,893.226,613.298,033.535,80
144.136,694.236,734.351,473.228,493.516,893.874,802.917,233.263,363.334,793.572,55
154.190,304.290,474.405,073.315,883.570,483.928,612.936,863.354,873.426,553.664,30
164.243,754.343,834.458,553.354,203.624,123.981,952.956,083.393,643.465,103.702,84
174.297,504.397,564.512,283.393,893.677,704.035,722.975,443.433,323.504,773.742,53
184.350,974.451,254.565,603.433,933.731,414.089,312.994,813.473,253.544,803.782,57
194.404,174.504,514.618,973.475,583.784,404.142,673.014,273.515,143.586,733.824,49
204.457,654.557,984.672,573.516,893.837,894.196,143.033,983.556,353.627,783.865,54
214.511,134.611,544.726,143.558,843.891,484.249,593.053,583.598,253.669,803.907,55
224.564,584.665,024.779,373.600,743.944,924.302,823.073,053.640,193.711,873.949,63
234.618,224.718,514.833,003.642,793.998,424.356,433.092,563.682,243.753,913.991,69
244.671,684.771,734.886,453.684,884.051,764.409,913.112,153.724,313.795,974.033,73
254.725,034.825,414.940,063.726,864.105,614.463,513.131,463.766,253.837,894.075,67
264.778,624.878,814.993,533.768,864.158,964.516,823.151,083.808,153.879,814.117,58
274.832,104.932,175.046,743.810,764.212,204.570,313.170,573.850,203.921,644.159,41
284.885,704.985,745.100,333.852,674.265,954.623,893.189,913.892,123.963,694.201,45
294.938,815.039,355.153,713.894,734.319,234.677,403.263,883.934,204.005,614.243,38
305.046,375.146,675.261,183.936,664.426,584.784,843.285,073.975,864.047,654.285,42
Originalquelle zur Tabelle ↗

Gehaltstabellen ab 01.01.2025

Gültig ab 01.01.2025

StufeDienst der Werkstätten und BetriebsleiterHandwerklicher FachdienstHandwerklicher Hilfsdienst
k 7k 8k 9
k 7k 8ak 8bk 8ck 9ak 9bk 9c
13.133,422.925,392.989,403.133,422.458,312.529,262.589,57
23.178,552.959,033.027,033.178,552.476,382.553,912.620,98
33.223,732.992,453.064,293.223,732.517,262.578,462.652,27
43.268,833.026,213.101,603.268,832.535,492.603,112.683,79
53.314,263.059,993.139,653.314,262.553,042.627,762.715,08
63.360,993.093,743.178,553.360,992.570,502.652,272.746,61
73.408,833.127,693.217,423.408,832.588,382.677,042.777,69
83.456,043.162,933.255,523.456,042.606,362.701,692.809,33
93.503,313.197,673.294,473.503,312.624,172.725,882.840,73
103.606,133.232,733.334,143.606,132.641,802.750,882.872,42
113.657,253.267,713.374,913.657,252.659,682.775,422.907,32
123.708,833.302,473.470,203.708,832.677,802.800,162.942,08
133.762,543.338,203.512,883.762,542.695,582.824,582.976,97
143.816,883.429,653.557,473.816,882.713,142.849,143.063,95
153.870,633.467,533.601,483.870,632.731,232.874,333.101,27
163.925,093.506,573.647,783.925,092.748,902.901,593.140,09
173.978,703.546,763.694,373.978,702.766,902.929,083.180,38
184.032,453.587,703.740,184.032,452.784,472.956,443.221,28
194.086,673.629,853.786,784.086,672.802,332.983,803.263,32
204.140,633.671,423.833,024.140,632.820,243.063,723.304,90
214.194,613.713,083.879,394.194,612.838,323.093,783.346,67
224.248,323.754,893.926,244.248,322.856,543.124,673.388,62
234.302,313.796,823.972,564.302,312.874,923.155,353.430,42
244.356,303.838,494.019,274.356,302.895,383.186,153.472,19
254.410,273.880,424.065,944.410,272.915,453.216,903.513,89
264.464,133.922,084.112,384.464,132.935,743.247,613.555,83
274.518,093.964,024.159,244.518,092.955,833.278,543.597,75
284.572,064.005,724.205,684.572,063.027,993.308,903.639,41
294.625,924.047,614.252,324.625,923.048,683.339,913.681,36
304.733,744.089,544.298,944.733,743.069,843.370,773.723,16
Originalquelle zur Tabelle ↗

Verwaltungsschema I ab 01.01.2025

Gültig ab 01.01.2025

EntlohnungsstufenEntlohnungsgruppen
edcb
12.136,722.201,152.265,692.476,18
22.152,922.229,822.302,662.522,84
32.168,982.258,522.339,552.569,50
42.185,192.287,302.377,272.616,86
52.201,152.315,762.417,502.666,77
62.217,572.344,332.457,742.717,84
72.233,662.373,682.498,092.771,15
82.249,922.404,742.538,342.824,15
92.265,772.436,142.578,462.902,06
102.282,302.467,432.619,162.986,06
112.298,372.498,622.662,013.097,04
122.314,662.529,592.705,713.213,27
132.330,632.560,922.750,883.328,99
142.346,732.592,422.796,573.444,33
152.363,022.624,242.842,483.560,59
162.380,412.657,302.890,343.676,57
172.398,072.691,102.941,363.793,09
182.415,872.725,442.992,393.908,56
192.433,442.761,333.043,024.025,18
202.451,102.796,573.094,754.140,63
212.468,752.832,563.148,264.256,14
222.486,442.868,543.201,704.371,61
232.504,072.907,673.255,184.487,10
242.521,732.947,123.308,664.602,57
252.539,402.986,533.362,094.718,05
262.557,043.025,963.415,624.833,54
272.574,713.065,363.469,094.948,98
282.592,393.105,373.522,565.064,50
292.610,043.145,983.576,045.179,97
302.627,703.186,563.629,505.295,43
Originalquelle zur Tabelle ↗

Lehrlingsschema ab 1.1.2025

Gültig ab 01.01.2025

1. LehrjahrEUR 927,73
2. LehrjahrEUR 1.062,80
3. LehrjahrEUR 1.454,36
4. LehrjahrEUR 1.599,80
Originalquelle zur Tabelle ↗

Gehaltstabellen ab 01.01.2025

Gültig ab 01.01.2025

StufeÄrzteAkademischer DienstMed-technischer Dienst, Dienst der Sozialarbeiter, Dienst der Psychotherapeuten, Dienst der Musiktherapeuten, kardiotechnischer Dienst und Dienst der Hebammen
ksk 2
ks1ks2ks3ks4k 1bk 1ck 1dk 2ak 2bk 2c
14.310,114.342,015.002,297.236,263.909,935.054,001.553,543.139,933.396,483.611,34
24.468,204.501,475.002,297.236,263.977,855.122,041.663,993.187,173.450,993.665,79
34.622,144.656,825.002,297.236,264.046,135.190,071.774,453.233,953.505,643.720,36
44.778,834.882,855.002,297.236,264.114,045.305,69-3.281,053.615,463.830,34
55.211,525.422,295.106,297.236,264.182,205.422,28-3.328,133.673,943.888,72
65.314,135.560,975.243,597.236,264.297,715.649,85-3.374,953.733,553.948,46
75.450,045.746,825.429,427.236,264.414,315.765,61-3.422,133.795,824.010,62
85.585,966.436,016.118,647.236,264.642,005.882,57-3.469,203.857,704.072,59
9-6.612,166.294,767.333,274.757,675.999,19-3.516,163.945,104.160,00
10-6.788,266.470,877.444,494.873,476.116,31-3.618,244.033,174.247,97
11-6.964,386.648,407.513,714.988,956.233,93-3.668,314.149,054.363,59
12-7.141,896.824,528.868,605.105,216.350,80-3.719,394.265,154.479,97
13-7.315,237.000,629.055,825.221,316.503,83-3.772,094.381,164.595,83
14--7.176,779.243,045.337,076.656,45-3.825,354.496,374.711,28
15--7.352,889.430,265.488,676.809,48-3.879,174.612,404.827,14
16--7.528,999.617,465.639,936.962,37-3.932,664.782,334.997,22
17--7.706,499.806,065.791,587.115,64-3.986,394.898,735.113,73
18--7.882,639.993,265.944,477.324,37-4.039,735.014,325.229,23
19--8.058,7210.180,476.097,767.477,80-4.093,205.130,685.345,60
20--8.280,6010.416,226.306,227.631,13-4.146,675.246,295.461,46
21--8.473,3810.621,496.459,777.784,57-4.200,025.361,915.576,81
22--8.680,0210.840,596.613,047.938,08-4.253,365.477,665.692,26
23--8.892,1811.066,666.766,568.091,60-4.307,055.593,245.808,54
24--9.115,4511.303,776.920,048.244,87-4.360,555.708,845.925,15
25--9.347,0611.550,627.073,718.398,11-4.414,065.824,856.042,01
26--9.586,9611.805,797.226,978.551,64-4.467,505.941,706.158,60
27----7.380,248.705,32-4.520,736.058,676.275,50
28----7.533,76--4.574,306.175,216.392,33
29----7.687,17--4.627,956.291,946.508,97
30-------4.735,256.409,036.625,94
Originalquelle zur Tabelle ↗

Gehaltstabellen ab 01.01.2025

Gültig ab 01.01.2025

StufeGehobener Dienst für Gesundheits- und Krankenpflege, Operationstechnische AssistenzMittlerer Verwaltungs- und Kanzleidienst und FachdienstSanitätshilfsdienst, Altenhelfer, Medizinische Assistenzberufe, Dienst der Pflegeassistenz und Pflegefachassistenz, Ausbildung in einem Pflegeassistenzberuf, Ausbildung zum Spracherwerb zur Ausübung eines Pflegeberufes
k 3k 5k 6
k 3ak 3bk 3ck 5ak 5bk 5ck 6ak 6bk 6ck 6d
13.412,383.512,563.627,452.794,372.864,803.195,672.660,812.817,182.879,023.116,78
23.459,623.559,763.674,382.825,682.907,613.240,452.678,492.848,382.913,333.151,09
33.506,403.606,843.721,432.856,742.950,753.285,262.719,152.880,312.947,503.185,27
43.553,493.653,913.768,272.889,382.993,623.330,352.736,922.914,882.982,133.219,89
53.600,573.700,723.815,212.922,703.036,743.377,422.754,482.948,923.016,163.253,93
63.647,393.747,773.862,162.956,273.079,823.424,372.772,372.983,083.050,943.288,71
73.694,593.794,903.909,352.989,633.123,523.471,602.789,943.017,603.085,603.323,38
83.741,663.841,973.956,443.022,933.168,293.518,652.807,573.052,143.120,243.358,00
93.788,613.888,784.003,243.056,573.212,983.565,472.825,063.087,033.155,283.393,03
103.890,293.991,064.105,433.090,263.310,133.667,642.843,043.121,823.189,913.427,69
113.979,384.079,444.194,213.124,253.359,613.717,622.860,493.156,703.225,053.462,82
124.030,384.130,664.245,273.158,773.410,703.768,862.879,023.191,273.261,503.499,25
134.083,114.183,514.298,133.193,523.463,403.821,442.897,893.226,613.298,033.535,80
144.136,694.236,734.351,473.228,493.516,893.874,802.917,233.263,363.334,793.572,55
154.190,304.290,474.405,073.315,883.570,483.928,612.936,863.354,873.426,553.664,30
164.243,754.343,834.458,553.354,203.624,123.981,952.956,083.393,643.465,103.702,84
174.297,504.397,564.512,283.393,893.677,704.035,722.975,443.433,323.504,773.742,53
184.350,974.451,254.565,603.433,933.731,414.089,312.994,813.473,253.544,803.782,57
194.404,174.504,514.618,973.475,583.784,404.142,673.014,273.515,143.586,733.824,49
204.457,654.557,984.672,573.516,893.837,894.196,143.033,983.556,353.627,783.865,54
214.511,134.611,544.726,143.558,843.891,484.249,593.053,583.598,253.669,803.907,55
224.564,584.665,024.779,373.600,743.944,924.302,823.073,053.640,193.711,873.949,63
234.618,224.718,514.833,003.642,793.998,424.356,433.092,563.682,243.753,913.991,69
244.671,684.771,734.886,453.684,884.051,764.409,913.112,153.724,313.795,974.033,73
254.725,034.825,414.940,063.726,864.105,614.463,513.131,463.766,253.837,894.075,67
264.778,624.878,814.993,533.768,864.158,964.516,823.151,083.808,153.879,814.117,58
274.832,104.932,175.046,743.810,764.212,204.570,313.170,573.850,203.921,644.159,41
284.885,704.985,745.100,333.852,674.265,954.623,893.189,913.892,123.963,694.201,45
294.938,815.039,355.153,713.894,734.319,234.677,403.263,883.934,204.005,614.243,38
305.046,375.146,675.261,183.936,664.426,584.784,843.285,073.975,864.047,654.285,42
Originalquelle zur Tabelle ↗

Gehaltstabellen ab 01.01.2025

Gültig ab 01.01.2025

StufeDienst der Werkstätten und BetriebsleiterHandwerklicher FachdienstHandwerklicher Hilfsdienst
k 7k 8k 9
k 7k 8ak 8bk 8ck 9ak 9bk 9c
13.133,422.925,392.989,403.133,422.458,312.529,262.589,57
23.178,552.959,033.027,033.178,552.476,382.553,912.620,98
33.223,732.992,453.064,293.223,732.517,262.578,462.652,27
43.268,833.026,213.101,603.268,832.535,492.603,112.683,79
53.314,263.059,993.139,653.314,262.553,042.627,762.715,08
63.360,993.093,743.178,553.360,992.570,502.652,272.746,61
73.408,833.127,693.217,423.408,832.588,382.677,042.777,69
83.456,043.162,933.255,523.456,042.606,362.701,692.809,33
93.503,313.197,673.294,473.503,312.624,172.725,882.840,73
103.606,133.232,733.334,143.606,132.641,802.750,882.872,42
113.657,253.267,713.374,913.657,252.659,682.775,422.907,32
123.708,833.302,473.470,203.708,832.677,802.800,162.942,08
133.762,543.338,203.512,883.762,542.695,582.824,582.976,97
143.816,883.429,653.557,473.816,882.713,142.849,143.063,95
153.870,633.467,533.601,483.870,632.731,232.874,333.101,27
163.925,093.506,573.647,783.925,092.748,902.901,593.140,09
173.978,703.546,763.694,373.978,702.766,902.929,083.180,38
184.032,453.587,703.740,184.032,452.784,472.956,443.221,28
194.086,673.629,853.786,784.086,672.802,332.983,803.263,32
204.140,633.671,423.833,024.140,632.820,243.063,723.304,90
214.194,613.713,083.879,394.194,612.838,323.093,783.346,67
224.248,323.754,893.926,244.248,322.856,543.124,673.388,62
234.302,313.796,823.972,564.302,312.874,923.155,353.430,42
244.356,303.838,494.019,274.356,302.895,383.186,153.472,19
254.410,273.880,424.065,944.410,272.915,453.216,903.513,89
264.464,133.922,084.112,384.464,132.935,743.247,613.555,83
274.518,093.964,024.159,244.518,092.955,833.278,543.597,75
284.572,064.005,724.205,684.572,063.027,993.308,903.639,41
294.625,924.047,614.252,324.625,923.048,683.339,913.681,36
304.733,744.089,544.298,944.733,743.069,843.370,773.723,16
Originalquelle zur Tabelle ↗

Verwaltungsschema I ab 01.01.2025

Gültig ab 01.01.2025

EntlohnungsstufenEntlohnungsgruppen
edcb
12.136,722.201,152.265,692.476,18
22.152,922.229,822.302,662.522,84
32.168,982.258,522.339,552.569,50
42.185,192.287,302.377,272.616,86
52.201,152.315,762.417,502.666,77
62.217,572.344,332.457,742.717,84
72.233,662.373,682.498,092.771,15
82.249,922.404,742.538,342.824,15
92.265,772.436,142.578,462.902,06
102.282,302.467,432.619,162.986,06
112.298,372.498,622.662,013.097,04
122.314,662.529,592.705,713.213,27
132.330,632.560,922.750,883.328,99
142.346,732.592,422.796,573.444,33
152.363,022.624,242.842,483.560,59
162.380,412.657,302.890,343.676,57
172.398,072.691,102.941,363.793,09
182.415,872.725,442.992,393.908,56
192.433,442.761,333.043,024.025,18
202.451,102.796,573.094,754.140,63
212.468,752.832,563.148,264.256,14
222.486,442.868,543.201,704.371,61
232.504,072.907,673.255,184.487,10
242.521,732.947,123.308,664.602,57
252.539,402.986,533.362,094.718,05
262.557,043.025,963.415,624.833,54
272.574,713.065,363.469,094.948,98
282.592,393.105,373.522,565.064,50
292.610,043.145,983.576,045.179,97
302.627,703.186,563.629,505.295,43
Originalquelle zur Tabelle ↗

Lehrlingsschema ab 1.1.2025

Gültig ab 01.01.2025

1. LehrjahrEUR 927,73
2. LehrjahrEUR 1.062,80
3. LehrjahrEUR 1.454,36
4. LehrjahrEUR 1.599,80
Originalquelle zur Tabelle ↗

Bildschirmzulage

Gültig ab: im Quellenstand nicht belegt

50% bis 75% Arbeitszeit am BildschirmEUR 128,13
Über 75% Arbeitszeit am BildschirmEUR 164,00
Originalquelle zur Tabelle ↗

Personalzulage – wird in Sonderzahlungen einbezogen

Gültig ab: im Quellenstand nicht belegt

–bis zu einem monatlichen Grundbezug zuzüglich der Verwendungszulage von zusammen EUR 1235,44 die Höhe vonEUR 222,52
–ab einem monatlichen Grundbezug zuzüglich der Verwendungszulage von zusammen EUR 1235,45 die Höhe vonEUR 266,99
Originalquelle zur Tabelle ↗

KV-Zusammenfassung als PDF ↓

Excel & CSV herunterladen

KVInfo Exchange: Originaltabellen, Zulagen, Regeln, Notizen und Quellen in einem einheitlichen Format.

Excel · XLSX ↓ CSV-Paket · ZIP ↓

Originalquelle & weitere Hilfe

Original-Kollektivvertrag öffnen ↗

Zulagen, Reisekosten, Einstufung und den KV-Assistenten findest du in der interaktiven KV-Ansicht.

Allgemeine Information, keine individuelle Beratung. Maßgeblich sind Original-KV, Geltungsbereich und Gültigkeit. Haftungsausschluss lesen