Advice Pool - Insurance

Do you rent an apartment, house, or condo? Do you feel that your belongings are protected from theft, natural disasters and fires through your landlord’s

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

insurance policy? If so, think again. True, your landlord or apartment community likely has insurance, but their policy only protects their own property

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

Examples of combination products may in

. Hopefully, your community offers security features such as an alarm system, gated entry, keyless door lock or some combination thereof. But even with t

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 peace of mind these barriers provide, a burglary or natural disaster can certainly deem your home and property a total loss. Purchasing a suitable rent

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

ers insurance policy is the best safety net to protect the assets you have spent years accumulating.

Before speaking with several companies about their

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

Combination pro

enters insurance services, take a complete inventory of your belongings and assess their value. Also, gather the receipts from each item’s original purch

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

ase and appraisals for your valuables. Take a photo inventory of all items to be covered by your policy, including detailed photos of each room of your h

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

me in its entirety.

Selecting the right company to provide your renters insurance is a crucial step. Ask friends and family for recommendations, and do

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

your own research including calling each company armed with a list of questions. Obtain a written statement of the events that are covered under each pol

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

cy. Take detailed notes about each company’s coverage, rates and the overall impression you receive from the representative who assists you. Remember, th

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

ese are the people you will be contacting for help after a devastating loss of property, so be thorough and choose your provider wisely.

Pay attention t

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

Following aspects would a

o what situations are covered by each company, and how they may affect you lest you need to file a claim. Ask about specific disasters that may affect yo

dd to the challenges in developing combination products:

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

based on your geographic area. For instance, is your home in an area where hurricanes or earthquakes are a viable threat? If so, you may need additional

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

coverage for these types of events.

Throughout your research, you will come to discover that all insurance policies are not created equal. Inquire whet

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

er each policy covers the replacement cost or the actual cash value of your possessions. Replacement cost and actual cash value are entirely different me

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

ans of being compensated when you file a claim. A policy covering the actual cash value of your belongings will pay you the depreciated value of your ass

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

Professional from academic institutions, pharmaceutical industries, health care indust

ts (minus your deductible), regardless of the amount you originally paid. A three year old television for which you originally shelled out $2,500 will no

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

t be covered for the full $2,500 under this type of policy. A policy covering the replacement cost, however, will allow you to collect the full amount th

.

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

t it costs you for a replacement television (minus your deductible).

Policies, coverage and rates vary greatly among providers. Taking the time to perfo

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

Companies that provide selfless information through particip

rm preliminary research will help you make an informed decision and obtain coverage from a company you trust to deliver at the time when you need it most

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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