Advice Pool - Insurance

Students are very mobile these days. There are so many specialized subjects, and expensive

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

facilities needed to impart them, that studying abroad is very common. The universities e

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

Examples of combination products may in

courage this migration of students by many attractive schemes to enrich academic diversity

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

Most foreign students study in America on a shoestring budget or with a scholarship. Wit

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

the escalating cost of medical care, student insurance becomes quite imperative. Very few

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

Combination pro

will be able to afford the unexpected expenses if they are not supported by adequate medic

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

l coverage. Many states require by law that foreign students be covered under medical insu

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

ance. Some states set even the minimum amount that should be available to the student for

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

edical treatment, emergency evacuation and repatriation of remains. For example, in Califo

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

nia the values are $50,000 for illness and $7,500 for repatriation. Waivers are allowed on

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

y when the US Government or other foreign government sponsors students whose health insura

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

Following aspects would a

ce exceeds that of the University’s standard.

The cost of international student medical i

dd to the challenges in developing combination products:

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

surance is in the range of $600 -700 per annum. Most of the universities sponsoring studen

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

s subsidize the cost of insurance coverage to the students with cheap medical care through

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

Gannett. Universities fund Gannett up to 60% of the costs. Only 40% is charged to the insu

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

ance companies. Students who are also teaching and doing research work are helped by the U

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

Professional from academic institutions, pharmaceutical industries, health care indust

iversity in meeting their insurance costs.

Besides the regular students, visiting scholar

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

are also required by visa requirements to have themselves covered by appropriate medical

.

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

nsurance plans. A short-term cost is in the range of 100-200 dollars. By US visa requireme

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

Companies that provide selfless information through particip

ts, any dependants accompanying the students also need to be insured towards medical costs

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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