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Low and even zero interest credit cards seem, at least on the surface, to be the solu

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

tion to increasing personal debt problems. The providers give the user the facility o

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

Examples of combination products may in

very low or even no interest on credit for a certain period of time. With these, one

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

can transfer one’s accumulated unpaid debts from one card to another for anything fro

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

four months to fifteen months. No doubt, this is an attractive and even beneficial w

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

Combination pro

ay to save money, and many users report complete satisfaction with their low/zero int

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

rest credit cards.

There is, of course, no such thing as a free lunch. Banks who giv

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

such a facility to their customers are not doing so for philanthropic reasons, and d

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

manage to earn even out of such a seemingly user-friendly arrangement. As already st

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

ated, the reduced or nullified rate of interest on credit is for a limited period onl

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

, after which it can suddenly change to anything from 10% to 18%. Anyone who uses a l

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

Following aspects would a

w or zero interest card should be aware of the terms applicable after the specified p

dd to the challenges in developing combination products:

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

riod elapses.

The small print is understandably something that banks are not too eag

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

er to underline for increased prominence, and a creative corporate copywriter can con

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

eal it so well in verbal razzle-dazzle that it is almost undetectable.

A small-print

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

savvy and conscientious spender can doubtlessly benefit hugely from a low- or zero-in

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

Professional from academic institutions, pharmaceutical industries, health care indust

erest credit card. However, it seems that such users of low or zero interest credit c

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

ards are more an exception than the rule. The rule is that a credit-card user tends t

.

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

be seduced into a state of blissful complacency and reckless spending habits by the

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

Companies that provide selfless information through particip

nitial low/zero interest rate, and then has a rude awakening when that period is over

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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