Today, we live in an era marked by unprecedented human mobility. While globalization brings many benefits to our lives, it also comes with negative consequences. One significant concern is the elevated risk of rapidly spreading health threats, including emerging infectious diseases. The recent Covid-19 pandemic, which impacted virtually every country in the world, starkly demonstrated the significant damage a virus can inflict on human health and society.

This year, we have witnessed various infectious disease risks such as mpox, Oropouche fever, and new and existing variants of Covid-19. Among these, H5N1 – a type of bird flu – has been frequently reported in recent global news. It is spreading worldwide, causing outbreaks in poultry and subsequently affecting cows and other mammals, including humans. The situation is continually evolving and often quietly, making it difficult to predict whether this outbreak could lead to the next pandemic. What are the possible outcomes, and how can insurers prepare themselves for this potential new threat?

Regardless of how this outbreak develops, one of the most effective and time-tested ways to prevent the spread of the virus, like any disease, is to equip ourselves with accurate knowledge. This allows us to make informed decisions and take necessary actions. This principle applies both to individuals and insurance companies.

This article provides essential information about H5N1 and its global outbreak, the potential impact on mortality, and possible implications for life and health insurers.