Any time spent related to the care of a patient should be counted in your total number of hours worked. This would include not only the “hands-on” time you have with the patient during the procedure, but also any time spent on patient-related activities before the case (i.e., patient interview) or after the case (i.e., charting).
The hours you count are not based on the total hours you work or how you are paid. As an example, let’s say you have on-call responsibilities. If you are on call for 24 hours, but don’t end up having any cases during those 24 hours, you wouldn’t count any of those hours since you didn’t provide any patient care. Again, you count only the hours where you have patient contact or are conducting any activities related to patient care.
You will not have to report the number of hours you worked during the policy period; you are on your honor. However, you should keep an accurate count for the hours you work and if you exceed your hour limitation, you should increase your part time coverage to full time. If you should happen to have a claim and the insurance company discovers you have worked a greater number of hours than what you applied for, the insurance company could have grounds to deny your claim. At a minimum, there would be an additional premium charge.