Answers - Insurance

Your home is generally your greatest asset and one that you can’t afford to loose so make sure you don’t skimp on your homeowners insurance.

Unlike car insurance it is not illegal to own a home

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

without taking out homeowners insurance but if your home is financed in any way by a third party lender then the likelihood is that you will have to take out homeowners insurance at least to co

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

Examples of combination products may in

er the building.

Homeowners insurance is normally split into two basic categories, buildings and contents. Some people take the risk and don’t take out any insurance against the contents of 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.

r home but they probably have never worked out how much it would cost to replace everything they own.

Others don’t pay much attention to the amount of liability cover that is included in their

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

omeowners insurance. For me this is a big risk. If someone has an accident in your home they will be claiming against your homeowners insurance and if you don’t have the cover they could then be

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

Combination pro

looking to you for compensation!

The element of your homeowners insurance that relates to the building covers you for the cost of rebuilding your home and other buildings (that you own) in the

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

mmediate vicinity of your home (such as garages and summer houses) in the event of fire or other disasters. You need to make sure your insurance covers you for the full cost of clearing the sit

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

e and rebuilding your home. Always check out the insurance policy small print to make sure you are totally clear as to what your basic homeowners insurance doesn’t cover which will generally inc

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

ude damage due to natural disasters such as flooding or earthquakes.

You can purchase flood insurance separately, through your homeowner’s insurance provider, but the policy will be with the Fe

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

eral Flood Insurance Program.

The contents element of your homeowners insurance will cover you for everything inside your home including carpets, curtains, clothes and furniture (anything that

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

sn’t classed as structural). Your homeowners insurance will also usually cover you for lost or stolen cash and credit costs and loss or damage to your personal belongings while off the premises.

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

Following aspects would a

It’s really easy to underestimate the amount of homeowners insurance you require, for contents, so the best way is to do a full inventory of everything you own.

As stated previously, never leav

dd to the challenges in developing combination products:

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

yourself exposed by not ensuring that your homeowners insurance covers you to a sufficient level for third party liability. If someone trips and falls down the stairs you’ll need good insurance

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

and if you don’t have pet insurance then liability protection could be just what you need if you pet damages someone else’s property.

If you lost your home for any reason your living expenses w

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

ould significantly increase particularly in the early weeks when you are living in hotels and eating out. Make sure your homeowners insurance covers you for such costs, the level of insurance va

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

ies depending on which homeowner’s insurance policy you take out so pay particular attention to the benefits you will receive when getting quotes for your homeowners insurance.

If you are renti

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

Professional from academic institutions, pharmaceutical industries, health care indust

g your property you need to take out renters insurance rather than homeowners insurance. As you don’t physically own the property you will not be able to insure against damage to the building, o

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

ly against damage to your own personal possessions.

The cost of homeowners insurance varies depending on such things as level of cover, size of house, type of house, value of personal possessio

.

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 and the area in which you live. You will need to get a homeowner insurance quotes to get a full understanding of how much your homeowners insurance will cost. Always get several quotes as shop

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

Companies that provide selfless information through particip

ing around could reduce your annual cost of homeowners insurance quite dramatically and, as with most insurance nowadays, shopping online generally results in some of the most competitive prices

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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