Advice You - Finance

The lowest in the hierarchy of precious metal named credit cards, silver credit cards

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

have been around since the conception of credit cards in the mid-1950s. Today silver

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

Examples of combination products may in

cards have been surpassed in prestige by gold credit cards and platinum credit cards

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

and so have more commonly come to be known as ‘standard’ or ‘basic’ credit cards.

Ad

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

vantages of silver credit cards

The advantages that silver credit cards have over ot

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

Combination pro

er types of cards include:

* lower annual membership fees (if any)

* lower threshol

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

d salary which you need to earn if you want to apply

* the same credit limit as othe

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

credit cards if you have a good credit history or manage your card sensibly

* 0% in

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

terest for between 6 – 9 months when transferring your account balance from one credi

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

provider to another

The simple fact is, if you are not that fussed over the ‘image’

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

you portray when you are out shopping with your credit card, and are more concerned

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

Following aspects would a

with how you manage your credit card debit, then silver credit cards are certainly mo

dd to the challenges in developing combination products:

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

e favourable than any other credit cards on offer.

Disadvantages of silver credit ca

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

rds

* lower cash withdrawal limits

* less rewards in rewards promotion packages, su

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

h as a lower percentage rate cash back return with cash back credit cards or lower ai

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

rmiles with airmile credit cards

* less travel perks – for example, if you have a go

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

Professional from academic institutions, pharmaceutical industries, health care indust

d or platinum card you may be entitled to automatic upgrades when travelling, but as

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

there are far more standard silver credit cardholders, it is unlikely this benefit wi

.

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

l be afforded to you as well

* less prestige, which may mean retailers are less will

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

Companies that provide selfless information through particip

ing to give you the same service as they may provide to gold and platinum cardholders

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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