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Group health insurance rates have been increasing year after year and employers have been forced to mak

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

e some drastic changes in their employee benefit programs. Many employers have changed their health ins

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

Examples of combination products may in

rance to high deductible plans. Dental Insurance has been discontinued by some companies as well as vis

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

on care. Disability programs have been trimmed down as well as group life insurance. This has created g

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

aps in coverage and employees have had to look for alternatives for coverage that has been omitted or d

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

Combination pro

creased in their benefit package. The answer to this problem has come in the form of supplemental healt

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

insurance. Supplemental health insurance companies will enroll employees with these products and the p

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

remiums are paid through payroll deduction.

Supplemental health Insurance Products

1. Disab

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

lity Insurance – Supplemental disability insurance is sold to employees to fill in gaps or replace

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

ost benefits. Long term and short term disability insurance can be purchased with a variety of waiting

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

eriods and benefit periods.

2. Life Insurance – Supplemental life insurance includes a variety

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

Following aspects would a

of permanent plans as well as term life insurance. There are non-medical life policies available for la

dd to the challenges in developing combination products:

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

ger groups when a certain amount of employees participate in the plan.

3. Dental Insurance – Th

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

s is one of the more popular supplemental health products because it usually the first discontinued by

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

the employer.

4. Cancer Insurance – The cancer policy is a single need policy with relatively l

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

w premiums.

5. Accident Insurance – The accident policy covers accidental injury and death. The

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

Professional from academic institutions, pharmaceutical industries, health care indust

e are accident disability riders on some accident policies.

6. Hospital Income – The hospital i

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

ncome policy pays a daily dollar rate to the insured while hospitalized. These policies can pay as low

.

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

s $10 per day and as high as $200 for each day hospitalized.

The need for supplemental insurance is st

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

Companies that provide selfless information through particip

onger than ever before. These policies can also be purchased on an individual basis with most companies

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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