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If you have recently booked a holiday or need to go abroad for business purposes you are probably excited and have not really though

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

t about your travel insurance.

Before taking any sort of trip it is extremely important to have travel insurance and to understand

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

Examples of combination products may in

nd know what cover you have. You may find that depending on where your proposed holiday is you may need to upgrade or purchase addit

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

onal protection.

Understanding what your travel insurance cover will insure you for will mean that should you find your self needin

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

g to make a claim once abroad a lot easier and give you the peace of mind that you are covered for events that you may be worried ab

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

Combination pro

ut.

Travel insurance does not cover you for everything, all travel insurance policies will have a list of unforeseen circumstances

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

or which you will be covered. It is important to read through the list and make sure that this applies to you your family and your c

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

ircumstances of travel.

If something should occur whilst away and it is not on the travel insurance policy list you will not be cov

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

red. Some policies will state what is excluded but generally speaking if they have not included it you must assume you will not be a

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

le to make a claim if found in that situation.

Standard travel insurance policies will cover you for events such as the following.

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

Your tour operator goes broke

Your cruise line goes broke

If you or you family needs emergency medical treatment or in the case of

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

Following aspects would a

a death

Your trip is cancelled due to bad weather

Your trip is cancelled due to flight cancellation

If you have lost your job af

dd to the challenges in developing combination products:

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

er at least 3 years of employment

Lost or damaged luggage

Stolen luggage

Although most travel insurance companies cover you for m

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

dical treatment whilst on holiday you may not be covered should you need to have medical treatment before you go and have to cancel

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

the holiday due to a pre existing medical condition.

Although you may feel you will never need to use your travel insurance it is s

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

rprising how many people actually do, the cost of travel insurance will vary depending on the company and the type policy they are s

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

Professional from academic institutions, pharmaceutical industries, health care indust

lling.

Always check with your travel insurance company if you are entitled to a refund should you decide to cancel the policy soon

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

after purchasing it. Some companies offer a 'cooling off' period a certain amount of time from receipt of your policy where by you

.

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

an cancel and receive a full refund.

Most people travel abroad for holidays so having travel insurance can mean the difference to a

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

Companies that provide selfless information through particip

stress free holiday or one of worry. This type of insurance could possibly be the most important insurance policy you will ever have

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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