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Savings accounts are operated by a commercial bank or mutual savings bank, and are backed by the FDIC up to the limits indicated. Money in savings accounts earn interest over time, hel

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

ping to grow your wealth. The amount of interest savings accounts earn is dependent upon the type of savings account and the establishment where you save your money. Interest rates are

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

Examples of combination products may in

also dependent upon the economy’s current condition.

In 2007, the national savings account interest rates for bank accounts is about 2%. Many people prefer to save their money in orga

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

nizations that offer high yield savings accounts. Primarily, online banks are able to provide higher rates of interest for savings accounts.

Online Savings Accounts Yield Higher Int

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

erest Rates

Because an online bank does not have the operational overhead that a physical bank has, they are able to pass along those savings to consumers by offering higher interes

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

Combination pro

rates on savings accounts. Most online savings accounts will also be free, with no minimum deposits to maintain and no fees for depositing or withdrawing money.

While some people may

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

have reservations about using an online bank, you can ensure the bank is as reputable as your local bank simply by checking to see if the bank is FDIC Insured. If the bank is FDIC insur

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

ed (usually up to $100,000 for individual savings accounts), you will receive the same protection from the online bank as you would from your neighborhood banking establishment.

How

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

Online Savings Accounts Work

If you’ve never had an online bank account, it might seem confusing at first. How do you deposit money to an account held with an online company? How

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

do you take money out when you need it?

Most online savings account providers operate by connecting your online accounts with your existing bank accounts- which provides a few benefits.

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

First, you don’t have to close your existing accounts in order to take advantage of high yield savings accounts. Secondly, with connected accounts, you can easily make transfers from y

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

Following aspects would a

our physical checking or savings accounts into your online account with a phone call or a few mouse clicks! Most online banks also allow you to set up automatic deposit options, and eit

dd to the challenges in developing combination products:

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

her have your paycheck deposited into the account automatically, or have a transfer from your existing bank accounts into your online savings account done at regular intervals.

Taking y

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

our money out of an online account works the same way- most banks allow you to transfer the money from your online savings directly to your existing checking or savings account. Some on

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

line providers offer ATM cards that can be used to access cash instantly from any ATM, while still others might provide you with checks connected to your online account.

High Yield S

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

vings Account Providers

Finding an online savings account with high interest rates is quite easy. There are numerous providers- some operate completely online, while others have bo

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

Professional from academic institutions, pharmaceutical industries, health care indust

th a physical, brick and mortar bank and have added an online component.

ING Direct: offers high yield savings accounts, interest bearing checking accounts and investment opportunities

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

.

HSBC Direct: you do not need an existing account with HSBC to use their savings accounts or other investment products. HSBC accounts include an ATM card for easy withdrawals and dep

.

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

osits from any HSBC bank branch.

Citibank Direct e-Savings: offers a money market account that can be linked to your checking account. Offers online bill pay services and other Citiba

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

Companies that provide selfless information through particip

nk online features.

Emigrant Direct: offers savings accounts with no minimum balance requirements and easy transfers from your existing bank accounts to your new online savings account

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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