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Each Credit Card Issuer offers different insurance programs and names them in different ways. However, following is a list of the mos

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

t common insurance programs available and a brief explanation of each one. Names may vary but the concept remains the same.

Whenever

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

Examples of combination products may in

you feel that any of the following events occur, don’t hesitate to contact your credit card issuer and inform them that the occurrence

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

eflected in the insurance contract has taken place and that you want to know how to receive proper assistance on the matter.

Purchase

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

afety Insurance
Each time you buy goods with your credit card and those goods happen to be damaged, or get lost or robbed, you can

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

Combination pro

always get your credit card company to reimburse the full or part of the purchase price in compliance with the insurance policy.

This

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 specially useful when you buy expensive home appliances as anything that might happen will be covered by the policy even if your home

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

insurance policy also covers these events.

Theft Insurance
As long as you call your credit card issuer immediately after you loos

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

or get your card stolen, the credit card company will block the card and not charge you for any purchase made after the theft or reimb

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

rse you the money if the purchase has already been processed.

Bear in mind also, that not only should you report the robbery due to th

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

insurance but because it is also a legal duty.

Fraud Insurance Protection
Identity theft has became a growing issue for credit c

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

Following aspects would a

rd companies, as it is driving away customers from credit cards that do not include this kind of insurance. Whenever you are subject to

dd to the challenges in developing combination products:

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

fraud due to the use of your credit card number and identity to make purchases without your consent, you should immediately let your cr

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

dit card issuer know that fact and tag that operation as unauthorized.

The money will be placed on hold till the problem is solved and

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

any payment processed will be reimbursed if the fraud is confirmed.

Travel annulment Insurance
If you’ve bought a plane ticket an

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

maybe hotel reservations or other vocational products and something happens that forces you to suspend or cancel, you’ll be covered by

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

Professional from academic institutions, pharmaceutical industries, health care indust

this policy. You’ll get reimbursed in full or partly according to the insurance policy and you might also get to change the tourist-pac

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

in order to go on vacations on another date.

Travel Accident Insurance
Last, but not least, this insurance will cover any accid

.

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

nts or even death during your travels. Let’s put aside the event of death which works exactly as a death insurance.

In case of an acci

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

Companies that provide selfless information through particip

ent, all your costs, including medical bills, transportation, phone calls, medicine, etc will be fully covered by the insurance company

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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