Answers - Insurance

Shopping for car insurance? There are quite a variety of choices around. Each company has their own fee structur

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

e and a reputation that must be checked before your final decision is made. Where to start?

We recommend starti

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

Examples of combination products may in

g with opinions from your friends and family. Ask them who they use. Find out whether they have ever filed a cla

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

m. How was the claim handled? Was it satisfactory? Or did they get a run around? Is the car paid for? How much i

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

it currently worth? All of these questions will help you to find the best car insurance for you.

Generally, if

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

Combination pro

the car is paid for and the replacement cost is minimal, you can go with whatever the legal minimums for insuran

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

e are in your state. However, if you owe money on the car or it would cost significantly to replace it in case o

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

an accident, you will want to choose full coverage insurance, not just the minimum liability insurance.

When y

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

u find the names of a few companies you’d like to contact, get their rates. Are you eligible for any discounts b

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

virtue of being a veteran, over a certain age, or having had defensive driving or a car security system? Make a

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

list of the companies and their rates and discounts on paper or on your computer so that you can easily compare

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

Following aspects would a

them to one another. Provide a space for notes about the company like, “Aunt Mabel filed a claim and they paid w

dd to the challenges in developing combination products:

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

thin 10 days” or “Uncle Henry filed a claim and they have asked him for additional paperwork several times for t

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

e last 6 months and the claim remains unpaid.”

Add to that your own gut feeling about the company. Did you like

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

the representative you spoke with? Did they seem to know their products? Were they courteous? Did they take enou

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

h time answering your questions and being sure you understood the answers? Or did they cut you off, maybe answer

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

Professional from academic institutions, pharmaceutical industries, health care indust

ng a question you didn’t even ask?

All of these factors must be weighed into your decision. Eventually, one or

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

wo companies will emerge as the forerunners and you can make a choice, perhaps based on price, perhaps based on

.

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

ustomer service. Myself, I will pay a little more for the company that hired courteous, efficient customer servi

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

Companies that provide selfless information through particip

e reps. Use your best judgment, though. Car insurance is important. It pays to take time to make a good decision

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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Answers - Car Insurance: More or Less?

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