Answers - Insurance

This is one insurance, which is generally not taken too seriously by the peopl

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 in UK. A thought is given to the same only when you are all set to leave for

; 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 holiday and that too rarely. Not something to be ignored, travel insurance g

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

ives you an assurance that there is someone behind you whilst you are hundred

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

f miles away from your home. Hence, a hassle free and relaxed holiday is a nat

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

Combination pro

ral outcome of this insurance.

Though they look like, but not all travel insu

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

rances are the same and we need to check the cover and small print before sett

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

ing down with a one of your choice. Does your insurance cover loss as well as

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

heft? Is 24-hours emergency assistance included? What is your level of medical

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

protection? You need to find answers to all these questions before taking a f

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

nal con your travel insurance.

Make sure to disclose every relevant and signi

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

Following aspects would a

icant detail of your activities and medical history to your insurer. It is act

dd to the challenges in developing combination products:

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

ually a contract based on trust, so do not mislead your insurer by keeping bac

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

significant information from him. This might in future result in you being de

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

lined the claim.

If any of your expensive possessions, bag or baggage gets lo

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

st or stolen, report it immediately to the local police and your travel repres

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

Professional from academic institutions, pharmaceutical industries, health care indust

ntative. Your report with the police should be kept as a documented proof to c

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

aim your travel insurance. Sometimes, even with all proofs, documents and phot

.

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

ographs, your claim might get rejected. If you think you have been unfairly tr

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

Companies that provide selfless information through particip

ated by your insurer, an appeal can be made to the Financial Ombudsman Service

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 - Travel Insurance - Not To Be Ignored

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