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Most identity theft victims never find out that someone has made money out of their identi

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

ties until an angry collector calls or a credit card is denied. By the time the victim rea

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

Examples of combination products may in

izes that his identity has been used, the identity thief is long gone, leaving much damage

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

to the victim's name and credit record. Although the victim of identity theft is not resp

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

nsible for the debts incurred by the identity thief, he will be stuck in cleaning up the d

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

Combination pro

amage done to his or her credit history. Restoring your credit and your name is a slow and

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

painstaking process that requires countless phone calls, letters, emails, and even time fr

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

om work and family. Here is where identity theft insurance comes in.

Identity theft insur

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

nce helps victims cope with the cleanup. It provides reimbursement to identity theft victi

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

ms for the cost of restoring their identity and repairing credit records. With some compan

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

es, identity theft insurance is included as a part of their homeowner's insurance policy.

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

Following aspects would a

thers sell it as a stand-alone policy or as renter's insurance policy or an endorsement to

dd to the challenges in developing combination products:

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

a homeowner's insurance policy.

Basically, identity theft insurance coverage includes fe

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

s for reapplying for loans that were denied due to erroneous credit information, notary an

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

d certified mailing costs for completion and delivery of fraud affidavits, phone charges f

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

r calling financial institutions like banks and credit card companies, merchants, and law

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

Professional from academic institutions, pharmaceutical industries, health care indust

enforcement agents to discuss the fraud, attorney's fees, and lost wages as a result of ti

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

e taken off from work to deal with the fraud.

With identity theft insurance, a victim can

.

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

start picking up the pieces. But even if the victim is reimbursed all the fees and other

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

Companies that provide selfless information through particip

osts, the emotional trauma from such an experience will not be easily erased by any amount

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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