Main Subject - Finance

Most of us find that a credit card is important in our daily life. Whether it be for emergencies or other spe

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

nding it is really hard to live without a credit card. Many companies like satellite TV require you to have a

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

Examples of combination products may in

major credit card in order to be approved for service. Not to mention hotels, airlines, car rentals and many

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

ther related services also require a major credit card. So, having a credit card is very important. Now, many

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

of us can’t receive traditional credit cards because are credit rating is so low or because we don’t have any

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

Combination pro

credit at all. If this is the case with you then you aren’t hopeless and do have an option. The option is wit

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

prepaid credit cards.

Prepaid credit cards look and act jut like a traditional credit card. They are little

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

plastic cards with your name on them that can’t be distinguished as a prepaid card. That means you can use th

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

m as you like to make reservations, buy clothes, shop, and do anything else you might do with a traditional c

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

edit card. Just keep in mind that your prepaid plastic card can only be used to pay for things that cost with

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

n the price range of the amount of money you have loaded on the card. For example, if you have $500 on your p

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

Following aspects would a

epaid credit card then you can only spend up to $500. There is no interest associated with prepaid credit car

dd to the challenges in developing combination products:

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

s, no over the limit fees, no late fees, and nothing that will negatively impact your credit rating or your c

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

edit. The only thing that you will have to pay are the fees associated with the prepaid credit card. This mea

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

s the loading fee will be charge when you deposit money to your card, also fees are charged when the card is

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

sed at an ATM, and sometimes a fee is charged if the money is not spent within a certain period of time.

The

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

Professional from academic institutions, pharmaceutical industries, health care indust

e are some drawbacks to prepaid credit cards. One of them is that you must have the money up front in order t

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

load the credit card. You don’t really have any “credit” to speak of with these types of cards but rather de

.

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

osit your money in order to have a credit card. It works very similar to a debit card and once the money is s

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

Companies that provide selfless information through particip

ent it is gone until you deposit more. These are just some of the basics associated with prepaid credit cards

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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