Advice You - Finance

If you are an individual with a good credit score looking for a reward card that offers flexibi

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

lity in the rewards that can be earned, the Chase Flexible Rewards Platinum Visa by the Chase M

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

Examples of combination products may in

nhattan Bank might be just be what you are looking for.

When you make purchases with the Chase

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

Flexible Rewards card, every dollar you spend on eligible purchases grants you one reward poin

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

. Accumulated points can be redeemed for merchandise, air travel, hotel stays, car rentals, gif

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

Combination pro

cards and more. Points can even be redeemed for cash, in which 3,500 points translates to a $2

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

5 check. However, the points expire after five years, with the maximum amount of points that ca

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

be earned within one billing year being 60,000 points. This works out to 5,000 points per bill

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

ing cycle.

Additionally, the card imposes a reasonable interest rate for purchases and balance

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

transfers with no annual fees required. Unfortunately the card uses the “Two Cycles Average Dai

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

y Balance” method of calculating finance charges, which usually means that you will have to pay

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

Following aspects would a

more if you carry a balance on this card. Nevertheless, the card has a long introductory 12-mo

dd to the challenges in developing combination products:

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

th interest-free period for purchases or balance transfers (but not for cash advances).

Beside

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

s the reward program, the card has the standard plethora of platinum cardholder benefits from C

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

ase including up to $1,000,000 in travel accident insurance, auto rental insurance, fraud prote

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

tion, purchase protection, various emergency and assistance services and extended warranties on

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

Professional from academic institutions, pharmaceutical industries, health care indust

almost all purchases.

For those who qualify, the Chase Flexible Rewards Card can be highly lu

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

rative to own. With such a flexible reward program, this credit card is almost the perfect ‘one

.

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

size fits all’ reward card. Of course if you don’t pay off the outstanding balance in full eac

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

Companies that provide selfless information through particip

month, the rewards of this card may not outweigh the additional charges you would have to bear

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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