Answers - Insurance

For the average family holiday encompassing a trip to a European country, or similar, Preparation is not too tricky but is still essential. For those travelling furthe

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

r a field, there may be much more to consider.

Picture if you will, a holiday to a popular British tourist destination such as Lanzarote (one of the Canary Islands). I

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

Examples of combination products may in

n most resorts on this island, you should find everything you need is close at hand as they are very tourist orientated. Preparation for this holiday should not be too

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

difficult, although there are still several items that should be regarded as essential.

First of all and most important; make sure you have a European health card (repl

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

ces E111 form), which can be applied for through your local post office. This will ensure that if you were to have an accident the initial emergency treatment will be c

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

Combination pro

overed (in most countries). To add to this you should seek a fully comprehensive travel insurance policy. This will cover you for eventualities such as theft (in terms

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

of items, cash and baggage), cancellation, personal injury and many other varying possibilities. Something you should be aware of is the need to file a police report i

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

f you are a victim of theft. If you do not file a report within the first 24-48 hours (varies, usually the former) you will not be able to claim.

After that brief scar

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

we shall continue along similar lines to talk about holiday money. The main thing to consider here is what forms this should come in. You should never have your entir

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

e holiday spend in cash. It more prudent, for interests of safety to have the remaining amount loaded onto on of the new breeds of pay as you go currency cards. These

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

are basically visa connect cards with chip and pin, that can be preloaded with credit to use. A brilliant idea as if they are stolen they are as secure as a debit/credi

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

Following aspects would a

t card. Most companies offering this service will also have in place duplicate card security to allow a second card to be hidden somewhere in case of theft of the first

dd to the challenges in developing combination products:

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

As mentioned above, holiday money will also most probably be covered on your holiday insurance policy.

Another essential piece of kit you should take with you is a fi

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

rst aid kit. This can be invaluable and is easy to stock yourself with essential items, such as; Loperamide (anti-diarrhoea drug), antihistamines (in case of insect bit

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

e/ prickly heat rash), pain killers (such as paracetamol), hangover cure, antiseptic wipes/liquid, plasters, cotton wool, emollient cream, indigestion remedies, thermome

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

ter, first aid scissors and anything else you can think of (Vinegar can be especially useful to neutralise jelly fish stings).

To enter into a topic that is always read

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

Professional from academic institutions, pharmaceutical industries, health care indust

ly addressed and repeated in articles such as this, don’t forget sun cream. This is possible one of the most important items to take and something that cannot be overra

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

ted. You most probably already know that the sun is at it’s strongest between the hours of 11am and 3pm. It is important to apply at least a factor 15 sun cream/block

.

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

and reapply this every 2 hours and after swimming (even if the product suggests it is waterproof) Small children should be kept out of direct sunlight if possible and co

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

Companies that provide selfless information through particip

vered wherever necessary. Sun block of factor 50+ is advisable if young children are to be exposed to the sun.

See part 2 for information on travelling further a field

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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Non-profit organizations are known to have major financial constraints. Like any other organization, the printing needs of non-profit organizations are pressing. There are organizations, which provide quality-printing services to many enterprises in the non-profit sector at affordable rates or in some cases even do it free of cost. It may be their way of contributing to non-profits. These non-profit printing organizations should make sure that the non-profits they help are legitimate.

Are you taking advantage of all the benefits your company has to offer? Most employees are not really sure of the benefits they are entitled to or what their company offers, and many are missing out on free money they don't even know about.

Life is full of uncertainty. So it’s important that your beloved ones remain secured and financially supported even after the event of your death-

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Answers - Planning A Holiday - The Essentials (Part 1)

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