Advice Pool - Insurance

Major medical insurance plans offer protection against the large expenses resulting from a major

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

injury or serious illness, paying a substantial portion of hospital and physicians' charges aft

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

Examples of combination products may in

er the insured person has paid a deductible amount. Major medical insurance plans offer wide cov

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

rage for almost all medical expenses up to a high maximum benefit and are offered to both groups

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

and individuals. Some plans may have limitations related to specific services.

Supplemental ma

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

Combination pro

or medical insurance plans can be opted to cover those expenses not otherwise covered by the bas

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

ic medical plan. Comprehensive major medical insurance plans coming under group health insurance

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

are the most common plans combining both basic and major medical needs and usually pays for appr

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

oved services in a calendar year after a deductible has been satisfied. Deductibles, co-insuranc

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

, lifetime maximum benefits, and covered expenses are common for both plans.

Major medical insu

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

rance plans do not cover damages caused by self inflicted injuries, war or act of war, eye exami

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

Following aspects would a

nations to prescribe or to fit the corrective lenses, hearing aids, cosmetic treatment etc.

Maj

dd to the challenges in developing combination products:

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

r medical insurance plans are available for those traveling abroad. International health insuran

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

ce plans offer comprehensive major medical coverage in all countries including the US and are de

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

igned to meet the requirements of H1, H4 and new immigrants. These plans offer comprehensive med

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

ical benefits including maternity, mental health, preventive check ups and medical evacuation. T

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

Professional from academic institutions, pharmaceutical industries, health care indust

ese plans have no limit on policy renewals.

Some insurance plans have started the practice of i

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

ssuing reports. These reports provide the satisfaction survey results and other information on t

.

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 quality. The report also gives information on how many members stay in or leave the plan, how

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

Companies that provide selfless information through particip

many doctors of the plan are board certified or how long one may have to wait for an appointment

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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