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At some point in everyone’s life there will be the requirement for some kind of financial assistance, whether this

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

be a mortgage, car loan or overdraft. One of the common problems when people take on finance is an over eagernes

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

Examples of combination products may in

to repay it as soon as possible, which can store up further issues and problems for the future.

Borrowing To Sui

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

Your Circumstances

When applying for any kind of financing, you need to realistic and have a clear idea of how a

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

d when you will repay the borrowings. This does not mean how quickly you can pay it back, but what you can afford

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

Combination pro

and how long it will take. There is nothing wrong with reducing your outgoing s and taking away some luxuries to r

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

pay borrowings, but you need to be realistic.

Current Situation

Before applying for any finance you need to have

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

a clear understanding of the cost of your lifestyle at the moment, where your money goes and how you can make simp

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

e savings. Too many people take out further borrowing without being aware of the real situation, with can result

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

n short term gain and long term pain.

Future Situation

Try to plan ahead for the future as well, which may see y

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

ur living expenses increase, or even reduce if your children leave the home. It may well be that a flexible borro

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

Following aspects would a

wing plan would best suit your needs, something which allows you to make one off lump sum payments, or increase yo

dd to the challenges in developing combination products:

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

r payments. Then again you may be planning for a child, and might look to reduce your payments for a short time -

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

hese are options to consider.

Maturing Investments

While money is most definitely tighter these days, many peopl

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

may have insurance polices or other investments which they may be able to gain access to in the future in order t

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

repay a large part of (or even all of) their outstanding borrowings. If this is the case, you may be able to agr

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

Professional from academic institutions, pharmaceutical industries, health care indust

e smaller short term repayments, with the knowledge that a lump sum payment is on the way.

While the above inform

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

tion may sound very straight forward and simple (which it is) it is staggering how many people do not consider the

.

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

e factors before applying for finance. In some circumstances, there may even be savings which you could make resu

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

Companies that provide selfless information through particip

ting in no requirement for further financing. You need to understand your own finances before you can change them

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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