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Credit Card Insurance

Most Credit Cards came with an insurance policy that will cover any loss, or theft of your credit card which will

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 replaced as soon as possible once you contact your credit card issuer. When you receive your plastic you’ll get a list of phone numb

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

Examples of combination products may in

ers (usually toll-free) where you can call in case you loose your card or get it stolen. Always keep this list in a safe place as in the

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

event of a theft or loose of the card, as soon as you report it, the better.

The insurance policy covers your expenses while the replac

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

ement is sent to you and also the reimbursement of all the purchases made with the card after the loss or robbery. Bear in mind though,

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

Combination pro

that each credit card issuer has different insurance programs and you should make sure what they cover prior to making your trips.

Refu

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

d Insurance

Be aware that though at home you are covered by the refund policy if you purchase goods that are not to your satisfaction,

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

when traveling abroad you should check first with your credit card company before making purchases of expensive goods as you may not be

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

able to obtain a refund if there are no agreements between the credit card issuer and the supplier of the goods. Legal systems change fr

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

m one country to another and not all of them have this kind of customer protection programs.

Currency Exchange Rate

When traveling ove

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

rseas, foreign currencies are always an issue. The exchange rate varies between banks and financial institutions, let alone unofficial c

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

Following aspects would a

urrency exchangers that wonder in the streets in some countries. With a Credit Card you can always be sure that if you go to an ATM and

dd to the challenges in developing combination products:

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

ou retrieve cash, you’ll get a secure transaction with an average exchange rate, thus avoiding being ripped off.

Bear in mind though, t

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

hat in some countries, official exchange rate differs a lot with market’s exchange rate and you may want to consider exchanging your cur

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

rency before traveling or in some other place if you are already in the foreign country. Always consult with trustworthy people, mainly

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

ersonnel from the hotels and restaurants will let you know how everything works.

Beware of the fees

Credit Card companies usually char

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

Professional from academic institutions, pharmaceutical industries, health care indust

ge extra fees for oversees transactions. There are other costs implied for them when purchases take place in a foreign country. However,

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

these fees are usually calculated on a percentage basis that shouldn’t exceed a 2% of the purchase price. Before traveling consult with

.

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

your credit card’s issuers how much are they charging for overseas purchases. Compare the fees and decide which of your credit cards you

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

Companies that provide selfless information through particip

should use when you are abroad. This way you will save money and enjoy your vacations knowing you are making the most out of your money

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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