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The Orchard Bank MasterCard is designed for those cardholders who have an average or

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

limited credit history who do not want to secure a credit card account with a savings

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

Examples of combination products may in

deposit. Although this card can help a cardholder with a limited credit history buil

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

d a foundation for a positive and solid credit history if payments are made on time,

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

a few costly factors must be taken into consideration first.

At 15.65% variable for

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

Combination pro

purchases, the interest rate for this type of card is competitive for other similar c

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

ards, but it can still be rather costly for those who intend to carry a high balance

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

on the card. On cash advances, you can expect to pay a variable rate of 24.40%.

The

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

card carries an annual fee of $49, not excessive for this time card. There is a cash

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

advance fee of 5% with a minimum of $5. Although this is higher than other cards that

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

usually assess a 3% cash advance fee, there is no balance transfer fee. In addition

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

Following aspects would a

to the annual fee, there is an application fee of $49, so during the first year, a ca

dd to the challenges in developing combination products:

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

rdholder will pay a total of $98 for the Orchard Bank MasterCard.

In spite of the hi

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

gh interest rate on this card, its use will allow a cardholder to build a positive cr

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

edit history. Of course, those who are able to pay in full each month and avoid finan

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

ce charges will benefit the most from this card. For those who are unable to do that

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

Professional from academic institutions, pharmaceutical industries, health care indust

and carry a high balance, it can be quite expensive.

Though it offers minimal benefi

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

ts, a cardholder will receive some perks with this card such as the following:

• Onl

.

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

ine access to account information

• Emergency card and cash replacement

• Reporting

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

Companies that provide selfless information through particip

of lost and stolen cards

• No liability to cardholder for unauthorized transactions

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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