The pharmaceutical industry is moving beyond treating established disease towards managing future risk before symptoms appear or disease returns. Advances in vaccines, gene editing, genomics and predictive medicine are creating new opportunities to intervene earlier and potentially prevent costly disease progression.

For private health insurers, this shift raises significant questions around affordability, evidence, access and funding. This briefing examines how preventative pharmaceuticals and predictive medicine could reshape insurance, and explores the implications for payment models, care pathways, genomic data, equity and long term value.