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Although the laws in Colorado don’t state that you absolutely must have homeowner’s in

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

surance for your property, there are many good reasons to. Anytime someone purchases 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

home they are making a very large investment, in many cases, it’s the single biggest p

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

urchase they will ever make. If the reason not to get insurance on your home is moneta

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

y based, here are a few tips that will get you the coverage you need, without costing

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

Combination pro

too much:

• Ask the company who handles your car insurance or health insurance if the

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

offer a discount for life insurance for their customers. Many companies offer a barga

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

in if you take out policies for more than one type of insurance.
• Having an alar

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

system installed in your home can save money on your insurance premiums. It’s also 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

great way to protect your house when you’re at work or on vacation.
• Take a high

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

r deductible. Quite often insurance companies will offer a better rate if you take a h

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

Following aspects would a

gher deductible. Instead of the standard $200 deductible, raise it $500. Your premiums

dd to the challenges in developing combination products:

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

will drop.
• Verify the contents coverage on your policy. Some insurance compani

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

s may overestimate how much the contents of your home are worth. By reducing this to a

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

more realistic level, your premiums may drop.
• If you are building your own hom

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

, ask the construction company about the cost of using fireproof materials. This can h

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

Professional from academic institutions, pharmaceutical industries, health care indust

elp to lower your homeowner insurance rates too.

As with any type of insurance compar

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

ng prices is essential when it comes to buying homeowner’s insurance. Once you underst

.

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

and what is and isn’t covered, the premiums you’ll be paying and how the claim process

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

Companies that provide selfless information through particip

works, you’ll be ready to make an informed decision that will hopefully save you money

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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