Digg It - Finance

What is a prepaid credit card? You pay in advance to get credit? Nope! It’s a debit card where you first put money on the card an

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

d then can spend only as much as is left on the card. You can shop online, book tickets, do your groceries and withdraw cash with

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

Examples of combination products may in

a prepaid credit card. It’s really a debit card that works like a credit card. People call them prepaid credit cards because the

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

y look like a credit card, act like a credit card and have a visa or mastercard logo on them. Reloadable prepaid credit cards all

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

ow you to add money to your card every time you run low.

#1: Safety of not having cash
Prepaid cards are safer than

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

Combination pro

ash. If it’s stolen, you can get a replacement card. And, unless you help the crooks by writing your ATM PIN on the card, no one

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

can steal your money from your card. Both Visa and MasterCard have a zero liability policy, which helps you recover money when th

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

ere’s an unauthorized charge. And since it's not tied to your bank account, there's only so much a crook can get.

#2: Budgeti

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

ng, no more finance charges
If you can’t control your shopping and rack up fees on your credit card or keep getting hit

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

on the head with NSF fees, you may want to come this way. You can spend only what you put on the card, nothing more.

#3: You

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

an’t get a credit card anymore
It works like a credit card, but without a credit check or checking account. Prepaid cred

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

Following aspects would a

it cards have a Visa logo or MasterCard logo on them. They work just like credit cards. You can shop online, get hotel rooms and

dd to the challenges in developing combination products:

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

gas with them. Since they’re prepaid, it doesn’t matter what your credit is.

#4: Say good bye to check cashing fees

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

Most prepaid cards allow you to have your pay or government benefits sent directly over to your card. Walk across to an ATM and t

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

ake out cash. Works much better than standing in line at a check casher! And it doesn’t matter if you’re in chexsystems or don’t

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

have a checking account.

#5: Financial lifeline for your kids
Get your children a prepaid credit card. You'll be abl

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

Professional from academic institutions, pharmaceutical industries, health care indust

to restrict how much they spend and will know what they're spending money on. And if they're out of town and in a bind, you can

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

load money on the card and they'll be able withdraw cash from an ATM immediately.

If you think a prepaid credit card is right fo

.

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

r, do some research on the different prepaid cards available. You can read elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

om/modules.php?name=Reviews">reviews of prepaid credit cards, other articles and discuss prepaid cards at prepaidcardforum.co

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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