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Getting a credit card is almost indispensable today. Unfortunately, if you cancel your

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

credit card like I did, it means you cannot have access to certain services you may h

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

Examples of combination products may in

ve taken for granted. I found I couldn’t join my local gym, order clothes over the int

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

rnet or even reserve a plane ticket online, the basic stuff of life. I remember when u

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

ing cash was the preferred way to buy things. Using an American Express, Visa or Maste

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

Combination pro

card has become commonplace globally but we do it without thinking, do I need this and

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

do I have the money. Your card may be convenient but there is a heavy penalty for buyi

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

g now and paying later. In many places around the world, credit card debts are increas

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

ng at a worrying rate.

Today, credit card debt is one of the biggest worries facing u

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

. It is for this reason I cancelled my credit card. I found it too easy using my credi

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

card and spending money that wasn’t mine to spend. I would charge everything and anyt

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

Following aspects would a

ing on my credit card, and soon the costs would spiral out of control. I stated to pan

dd to the challenges in developing combination products:

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

c because the debt became so great it was impossible to pay it. It took a debt consult

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

ncy specialist to finally get me back into a position where I actually started to pay

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

y debt off. It was like being in a living nightmare.

It took some time but the credit

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

card has gone and so has my debt. Many people would think me unfair about blaming the

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

Professional from academic institutions, pharmaceutical industries, health care indust

redit card but they need to understand something about people first. I was more consci

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

us of the cost of things when I paid for them in cash. Like I said before you are not

.

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

s conscious of the cost when you use your credit card. Spending money like it was goin

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

Companies that provide selfless information through particip

out of fashion and it didn’t take long before it was gone. No credit card, no problem

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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