If I become infected with SARS-COV-2 virus, what is the actual risk of becoming ill, or dying?
If you contract the SARS-COV-2 virus, there is about a 1-in-5 chance that you will suffer significant COVID-19 symptoms, the large majority of those testing positive showing either no or very mild signs of illness. Considering all age groups together, around 1-in-100 infected people will require hospital treatment and 1-in-750 (0.0013%) will require intensive care. For older people (>70 years), the average risk of hospitalisation may be as high as 1-in-20.
Overall, the Infection Fatality Rate (IFR) of SARS-COV-2 is in the range 0.15 to 0.2%; in other words, for every 1,000 people who contract this virus no more than two people will die. The mortality risk is largely determined by age, the threat growing steadily with advancing years. The average age of those dying is 82 (slightly above normal life expectancy). The IFR for people below the age of 70 is between 0.03 and 0.04%; for every 10,000 people infected, 3 to 4 will die. About 95% of fatalities will have had serious underlying conditions.
For healthy people under the age of 35 the additional fatality risk of contracting SARS-COV-2 is almost zero. Meanwhile, children are as good as bullet proof, with seasonal influenza presenting a much greater risk of mortality to under-15-year-olds.
A useful rule of thumb for understanding age-related risk levels is to remember that contracting SARS-COV-2 virus is like packing a full year’s worth of death risk into a four-week period. Thus, on a child’s 10th birthday the chances of that child not reaching their 11th birthday is vanishingly small; this tiny probability is roughly equivalent to the risk of this 10-year-old dying from a SARS-COV-2 infection. In contrast, an 85-year-old person will typically have a 10% chance of not surviving until their next birthday, and around a 10% risk of dying within four weeks should they contract the virus.
In summary: For healthy people under 50, the risk of serious harm from SARS-COV-2 is vanishingly small, with other threats (for example, cancer and accidents) presenting a greater risk. The risk of the virus for old people is many-fold greater, but even a reasonably-healthy-90-year-old will have over 90% chance of survival.