Advice You - Finance

The American Express Gold Card is a charge card for those who have good credit and can afford to pay the b

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

alance in full each month in order to avoid accumulating debt as often become the case with high balance a

; 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 high interest rates. In addition, though the payment structure of the charge card is different from oth

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

er unsecured credit cards, it has similar benefits and services.

The annual fee for the American Express

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

Gold Card is $90 with an additional $35 for additional cardholders. For the first year, the primary cardho

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

Combination pro

der fee is waived. The fee for cash advances is 3% with a minimum of $5 for Express Cash transactions.

Fo

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

r no additional fee, cardholders have access to the Membership Rewards Options program, which allows membe

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

rs the opportunity to earn points they can redeem for various products and services. Points are earned at

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

the rate of one point per dollar with bonus points of two points per dollar for purchases at supermarkets

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

, gas stations, drug stores, U.S. Postal Service, or when paying wireless phone bills. They have no expira

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

ion date or annual maximum, and the cardholder earns a bonus of 5,000 points on the first purchase.

Altho

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

Following aspects would a

ugh the card has a high annual fee, those who are able to take advantage of all of the benefits of America

dd to the challenges in developing combination products:

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

n Express membership may not be concerned with this.

Some of the benefits a cardholder can expect to rece

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

ive from the American Express Gold Card include the following:

• Online access to account information

•

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

Free shipping and handling from selected retailers and merchants

• Financial statements at year’s end

•

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

rice protection services

• Return protection

• No cardholder liability for unauthorized Internet transac

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

Professional from academic institutions, pharmaceutical industries, health care indust

tions

• Extended warranty for purchases

• Protection for purchases

• Medical and legal referral service

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

s

• Planning assistance for trips

• Emergency assistance and travel-related services

• Insurance for lo

.

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

st luggage

• Emergency check-in service

• Roadside assistance

• Guarantee of hotel and motel reservatio

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

Companies that provide selfless information through particip

ns

• Insurance for car rental

• Emergency replacement of card

• Travel accident insurance up to $100,00

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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