“If I had asked people what they wanted, they would have said faster horses.” Henry Ford, founder of the Ford Motor Company, rightly recognised that tomorrow’s in-demand products will not necessarily coincide with today’s interpretation needs. Health insurers also need to evolve if they wish to remain fit for the future. Increasingly well-informed patients pose ever new challenges for all the actors in today's health society, and their requirements must be anticipated. What megatrends have an impact on healthcare and thus also on health insurance? Do customers and partners expect health insurers to offer more than just insurance products? What lies in store for the “Suva model” of health insurance?