Top Adding - Insurance

Getting the right Insurance coverage can ensure financial security for you and your family if any

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

thing happens to you. Insurance is an important part of a sound financial strategy, because it c

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

overs you against potentially crippling costs if, say, you are in an accident or need medical car

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

e. While it is up to you to buy most types of Insurance coverage, some types are mandatory, such

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

as Car Insurance.

It’s easy to understand the logic of why one should get Insurance, but afford

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

ing it is another matter. This is why it makes sense to understand what your options are, both a

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

s an individual and as a member of a particular group, such as an employees’ association. In gen

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

eral, a strong credit history may translate into savings in Insurance premiums. For Car Insuranc

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

e, you can reduce your premium by maintaining a clean driving record. If you want to insure your

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

home, having a burglar alarm and other home security features installed can also save you money.

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

You may fall into one of several categories that make you eligible for government-sponsored Ins

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

urance and other benefits. If you are disabled, you may qualify for Social Security disability b

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

enefits. Federal employees and members of the US military are eligible for certain Group Insuran

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

ce programs, and may also receive substantial discounts from many private Insurance providers.

Y

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

our employer may provide Health Insurance coverage, and additional work-related Insurance if your

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

job entails certain risks. Take the time to understand what this coverage does and doesn’t cove

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

r- you may need supplemental coverage to protect yourself fully. Your local labor union or emplo

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

yees’ association may support Group Health Insurance, which is cheaper than Individual Health Ins

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

urance. If you are unemployed, cannot afford to buy Insurance, or do not have employer-provided

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

Insurance, you may be eligible for certain government-provided free or highly discounted services

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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