Top Adding - Insurance

Continues from part 1 “planning a holiday; the essentials” Please read that article first.

If you are travelling further a field then you may ha

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

ve many more factors to consider, such as inoculations, extra cover, etc. More far flung destinations, such as Africa for example, still have di

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

Examples of combination products may in

seases such as malaria that are especially prevalent. It is also recommended that you should be inoculated against other diseases such as; Yello

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

w fever, Typhoid, Hepatitis A, Polio (may already be covered) and others your doctor may recommend. It is important to note; both Typhoid and He

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

patitis A can be caught from contaminated food and water. Wherever possible, use bottled/boiled water, avoid raw or under cooked food, such as s

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

Combination pro

hellfish, salads and fruit. Ensure you have insect repellent in both the form of a spray and a plug in unit for the room you are to sleep in.

I

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

f you are to be pursuing an adventure or activities holiday, you should seek insurance that covers for dangerous activities. Examples such as cl

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

mbing, water sports and bungee jumping (even a safari trip) will make you a much higher risk to the insurance company and therefore they will mos

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

t probably not cover you on a standard policy. Another grey area many travellers may find themselves taking part in is scuba diving. It is impo

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

rtant to check that this will be covered under your policy as not all insurers provide cover for this as standard.

You should still be able to f

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

ind a cheap travel insurance policy if you are internet savvy and use a comparison site for example. This will help you find the cheapest quote

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

Following aspects would a

to meet your circumstances. Another thing to consider is the number of times you intend to travel within a year, if you are going to travel 2-3

dd to the challenges in developing combination products:

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

times, a multi-trip policy will save you money. If you are a frequent traveller you may well save much more money by taking out an annual travel

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

insurance policy. If you are in any doubt as to which one to go for; try finding a single trip policy price then multiply this by the number of

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

times you will be travelling in said year. With this figure in mind get a quote for a multi trip or annual policy and see how much money you wil

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

l save.

Another important factor to consider, especially when travelling by long haul flights is; DVT (deep vein thrombosis) this is where a blo

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

Professional from academic institutions, pharmaceutical industries, health care indust

od clot is formed in the veins of the lower legs due to thickening of the blood, caused by air pressure/lack of movement and worsened by dehydrat

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

ion. You can help to combat this by drinking plenty of water, exercising your legs/ankles (most airline now have instructional video’s) and taki

.

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

ng a walk down the aisle every now and again.

When planning your trip, to whatever location, it is prudent to carry out some research online and

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

Companies that provide selfless information through particip

find out any requirements and essentials you may need. Once you are fully prepared you can look forward to and enjoy your well deserved holiday

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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