Advice Pool - Insurance

Hands up all those who remember the old E111 medical forms you were supposed to have if you travelled in Europe? I can see all those blank faces!

Well, great news is that it doe

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

sn't matter any more. The E111 form was replaced at the beginning of January 2006 by a new European Health Insurance Card (EHIC).

This EHIC is valid for up to 5 years and entitl

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

Examples of combination products may in

es you to the same level of medical care in the country you're travelling in, as would be enjoyed by the residents of that country. The card covers discounted and free medical ca

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

e including emergency treatment, and applies to all the EEC countries plus Switzerland, Norway, Iceland and Liechtenstein. But be aware that the treatment you're entitled to migh

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

t not include all the treatments you get free of charge under the National Health Service here in Britain.

Nevertheless, we believe that it's wise to carry a EHIC as it could sa

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

Combination pro

e you time, money and a great deal of hassle if you're unlucky enough to need medical attention. It can cut through some of the inevitable red tape you'd be faced with if you wer

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

e relying just on the medical provisions of your travel insurance policy.

You should also be aware that in many areas of Europe, the best medical attention is still reserved for

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

those with private insurance cover. Private insurance bypasses the long queues of local residents waiting patently in inhospitable corridors – after all who wants to spend days o

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

f their holiday not only ill, but queuing as well!

Another point is that nationalised health care is only available at nationalised hospitals which, in some countries, are hundr

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

ds of miles apart. They tend to be located where the local population work and live - not where you enjoy your holidays! Therefore, you may be a long way from the nearest nationa

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

lised hospital whereas private medical and dental clinics are to be found in many tourist areas catering primarily for holidaymakers. Their standard is usually good albeit in loc

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

Following aspects would a

al terms, they're expensive.

Whilst we've been discussing medical care, don't forget that private travel insurance covers you for much more than just medical expenses. Most poli

dd to the challenges in developing combination products:

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

ies will even pay for you to be flown home to the UK if you're really ill. Holiday cancellation (due to prior illness), holiday curtailment, loss of luggage or individual items a

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

re all aspects normally covered by the insurance.

To be as safe as possible, we recommend that all travellers get a European Health Insurance Card and comprehensive travel insur

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

nce. After all, you've saved up for ages for the holiday and if something goes wrong the last thing you want is to be worried about the financial implications.

As with most 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

rance, the best travel insurance bargains are to be found on the Internet. Search on your favourite search engine for “travel insurance”. The brokers usually provide the best val

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

Professional from academic institutions, pharmaceutical industries, health care indust

e for money as they will have access to a wide range of insurance providers and can pick the best for you. You can try the sites run by the individual insurance companies but the

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

y'll only offer you one option – their policy! A broker can offer you a range of solutions.

We say, no matter how you arrange it, get travel insurance and get peace of mind.

In

.

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

ormation about the European Health Insurance Card

The European Health Insurance Card is free from any Post Office or by phoning the Department of Health on 0845 606 2030. You ca

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

Companies that provide selfless information through particip

n also apply online at the web site run by the Department of Health. The web address is http://www.dh.gov.uk/travellers

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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Advice Pool - Travel Insurance: Also Get a European Health Insurance Card

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