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If you are looking for a Union Plus Credit Card, then you'll be spoilt for choice as there are five different cards you can compar

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 and apply for.

The card benefits are varied, so I'll try to make it as concise as possible. Here goes.

The first card to step

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

Examples of combination products may in

up to the line is the Union Plus Classic Card and it comes with:

• Triple plus protection from fraud, strike skip payment, union

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

review services and an extended warranty.
• Triple plus service which includes live customer service, 24 hour personal assist

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

ance and merchant dispute services.
• Triple plus value which includes no annual fee, discounts and exclusive member rates an

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

Combination pro

d benefits.

Next up is the Union Plus Platinum Card

With this card you enjoy all the benefits of the Union Plus Classic plus:

•

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

Minimum limit of $5000.
• Price protection, so if you find a cheaper rate in 60 days you'll be refunded the difference.

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

• Purchase assurance.

The third card is the Union Plus Secured Credit Card, and like any secured card you must deposit money ont

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

o the account to be able to use the card and gain from the benefits. The minimum deposit for this card is $250 and goes up to $50

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

00.

What does this card do?

• Reports to the credit bureaus so you can rebuild your credit history.
• Charges no applicatio

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

n fee.
• Carries a very affordable annual fee.
• After 18 months of good conduct you can apply to trade up.

The penulti

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

Following aspects would a

mate card is the Union Plus Travel Corporate Card. This card is for union leaders specifically and carries no annual fees. The b

dd to the challenges in developing combination products:

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

enefits include:

• $250k automatic travel insurance.
• Baggage reclaim insurance.
• Global customer service and lots mo

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

re.

There are no details on the website for this card. It seems to be so exclusive that to apply you must call the dedicated numb

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

er (1-888-428-6466) for an application.

Finally, the last card in the Union Plus range is the Union Plus Rewards Card which is sp

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

ecifically designed for working families and has benefits such as:

• 2,000 bonus points after your first purchase.
• Earn 1

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

Professional from academic institutions, pharmaceutical industries, health care indust

Point for every $1 purchase.
• Earn 2 Points for every $1 purchase made at gas stations, grocery stores, and drug stores.

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

• You can enjoy traveling, cash rebates and gift vouchers when you redeem your points; this is not bad at all.

These cards are

.

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

worth looking into as not all the APRs are stated on the websites, although most of the benefits seem quite usable.

It is recomme

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

Companies that provide selfless information through particip

nded that you explore other credit card offers as it is always good to compare and evaluate options before making a final decision

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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