Likelihood, two years3Possibleto end-2028
Likelihood, ten years4Likelyto end-2036
Systemic impact5Catastrophicglobal
National impact5Catastrophictypical highly exposed nation
OnsetRapid (weeks)
Duration (acute phase)1 year (acute)
Warning timeDays to weeks
ScopeGlobal
Recovery horizonYears
Capability loadHard 1/3Soft 3/3Economic 2/3domains loaded High
ConcurrencyStandalonetriggers 5 · triggered by 2
Confidence · movementmediumnew

Rated at Standard Severe. Likelihood type: systemic. Source of scores: ginc-desk-v0.2.

03Narrative

Dateline: November 2028

The cluster is reported on a Thursday; genomic sequences are public by Monday and the case fatality estimate, 1.2 per cent, is three times the number the plans were written for. Borders close in the second week; the closures are porous and the pathogen is already in 30 countries. Intensive-care demand passes capacity in week five in the first affected cities and the triage protocols that were drafted but never adopted are adopted overnight. Oxygen, not ventilators, is the binding constraint this time; then it is staff, as 20 per cent of the health workforce is infected or isolating. Export bans on protective equipment and antivirals return within a month, as they did in 2020, and the countries that had built regional manufacturing in the interim find it matters. Schools close; the learning loss of the previous pandemic is doubled. Vaccines arrive in 11 months for the countries that had pre-purchase agreements and in 20 for the ones that did not. The public health measures are contested from the start, because the last pandemic left half the population distrustful of the institutions asking for compliance. The capability that fails first is not the laboratory; it is the state's ability to be believed.

The dateline is illustrative, not a forecast. The narrative is hypothetical; the historical anchors below are real events.

04Summary

A novel respiratory pathogen with severity between COVID-19 and the 1918 influenza spreads globally; borders close for six months; health systems exceed surge capacity; vaccines take a year. Pandemic ranks first in both the Swiss and Norwegian national risk analyses and is the UK's most likely catastrophic risk. Lloyd's puts the five-year global loss at US$13.6 trillion weighted and up to 6.4 per cent of global GDP in the extreme case. Earlier UK National Risk Register editions assumed an attack rate up to 50 per cent and a case fatality rate up to 2.5 per cent for pandemic influenza.

05Historical anchors

EventDateWhat happenedCalibrates
COVID-192020–2022Global GDP fell 3.1 per cent in 2020; millions of deaths; border closures; export bans on medical goodsStandard Severe economic path
1918 influenza1918–1919Tens of millions of deaths; case fatality above 2.5 per centStandard Extreme
H5N1 in US dairy cattle2024–2025Spread across hundreds of herds; dozens of human cases; first US death in January 2025zoonotic warning signal
Exercise CygnusOctober 2016UK pandemic influenza exercise found NHS surge, PPE, social care and excess-death planning inadequate; unpublished until 2020capability gaps, non-disclosure lesson
Global Health Security Index2019 and 2021Ranked the US first and the UK second before COVID; outcomes did not follow the rankingscapacity versus capability
Lloyd's human pandemic scenarioDecember 2024Five-year global loss US$13.6 trillion weighted; up to 6.4 per cent of global GDP in the extreme case; US$396 billion annual expected losssystemic impact
Swiss and Norwegian national risk analyses2025 and 2019Pandemic first-ranked hazard in bothnational-register precedent

06Parameters

Shown at their preset values. Parameters are not adjustable in this release and nothing on this page is computed from them. Custom settings run (Phase B) but are labelled 'non-standard run' and excluded from comparisons.

Common sliders at Standard Severe · read-only

1. Severity
majorsevere (Standard Severe)extreme
2. Duration (acute phase)
30 days90 days1 year (Standard Severe)3 years5 years
Standard Severe: 1 year (acute)
3. Onset
suddenrapid (weeks) (Standard Severe)gradual (years)
4. Warning time
nonedays (Standard Severe)months
Standard Severe: days to weeks
5. Scope
nationalregionalglobal (Standard Severe)
6. Origin
natural (Standard Severe)accidentaladversarial (great power / neighbour / non-state)
Standard Severe: natural (accidental variant)
7. External support
fullpartialnone (Standard Severe)
Standard Severe: none in the first six months
8. Concurrency
standalone (Standard Severe)plus one named scenarioplus two
9. Policy response assumed
none (pure exposure)current plans executed (Standard Severe)best practice
Standard Severe: current plans
10. Recovery horizon
monthsyears (Standard Severe)structural

Scenario-specific parameters · read-only

ParameterDefaultRange or optionsNote
Basic reproduction number2.51.5–5—
Infection fatality rate1 per cent0.3–3—
Vaccine lead time12 months4–24—
Border closure duration6 months1–12—
Health-care surge demand multiple×3×1.5 to ×6—
Workforce absence peak20 per cent10–40—

07Transmission channels

  1. International spread before detection.
  2. Health system overload.
  3. Workforce absence across all sectors.
  4. Border closures and supply-chain breaks for medical goods.
  5. School and economic closures.
  6. Fiscal expansion and debt.
  7. Trust and compliance dynamics.
  8. Long-run health, education and labour effects.

08Capability loading

High: capability band shifts expected under current plans. Medium: band shifts under 'none' policy response only. Low: strain without band shift. Loads are judgement-based until the Atlas connects. Domains link to the Atlas.

DomainLoadChannel
Hard
Defence and securityMediummilitary medical and logistics support; biosecurity
Strategic infrastructureMediumessential services under workforce absence
Critical technologyHighgenomic surveillance, vaccine and therapeutics manufacturing
Soft
Government effectivenessHighpublic health command, procurement, communication, border policy
Human capitalHighhealth system surge, workforce, education continuity
Influence and cohesionHightrust, compliance, information integrity
Economic
Macro-financialHighfiscal expansion, output loss
Industry, trade and supplyHighmedical goods, export bans, logistics
Energy and resourcesLowdemand collapse

09Stakeholders

Government

Relevance 4/5
Exposure
Surge capacity, stockpiles, manufacturing access, communication credibility
Actions
  • Maintain regional manufacturing and pre-purchase agreements
  • Exercise triage and oxygen supply
  • Invest in trust before the event
Watch
  • WHO Disease Outbreak News
  • Zoonotic surveillance

Technology

Relevance 4/5
Exposure
Remote operations, health data, misinformation
Actions
  • Continuity plans for 20 per cent absence
  • Health-data interoperability
Watch
  • Workforce absence indices

Investors

Relevance 5/5
Exposure
Healthcare, travel, sovereign debt
Actions
  • Scenario on COVID-plus
Watch
  • Outbreak alerts
  • Vaccine platform readiness

Public

Relevance 5/5
Exposure
Health, work and schooling
Actions
  • Household plans
Watch
  • Official guidance channels

10Regional exposure

RegionExposureRationale
North AmericaHighConnectivity; trust deficits
EuropeHigh—
ChinaHighDensity; prior experience
Indo-PacificHighConnectivity; strong prior response capability
South AsiaHighDensity, health system capacity
Gulf and Middle EastMediumCapital; migrant workforce
AfricaHighHealth system capacity; late vaccine access
Latin America and CaribbeanHigh—
Russia and EurasiaMedium—

11Early-warning indicators

IndicatorSourceThreshold
WHO Disease Outbreak News and PHEIC declarations——
Zoonotic surveillance (H5N1 herd and human case counts)——
Wastewater surveillance——
Genomic sequence sharing speedGISAID—
Vaccine platform and manufacturing capacity by region——
IHR Joint External Evaluation scores——
Trust in health authorities——

12Compounds

Triggers
Triggered by
Amplifying trends
antimicrobial resistanceurbanisationclimate change expanding vector rangestrust erosion
Key trends

From the GINC 250: trends rated Very high or Critical for this scenario. All S14 trend scores.

13Rating rationale

RatingBand or levelWhy
Likelihood, two years3PossibleEstimates of the annual probability of a COVID-scale pandemic run near 2 per cent, giving 1 to 5 per cent over two years.
Likelihood, ten years4Likely—
Systemic impact5CatastrophicOn COVID's output loss and Lloyd's extreme case.
National impact5Catastrophic—
Confidencemedium—

Source of scores: ginc-desk-v0.2. Confidence refers to the rating, not the scenario. Calibration sources are listed with the anchors above and on the methodology page.

14Open questions

Contested assumptions for the panel to resolve.

  • Whether an engineered or accidental-release variant should be specified separately.
  • How to score nations whose capability improved after COVID against those whose trust fell.
  • Whether border closure belongs in Standard Severe given its limited effect in 2020.

15Commentary

No signed commentary in this build.

16Version and citation

Version
0.2.0 · active
Change log
0.2.0 · 2 October 2026 · Entered the Library at v0.2 with GINC desk scores.
Full change log
Cite asGINC (2027). Scenario S14 Pandemic with a novel pathogen, Scenario Library v0.2. scenarios.ginc.org/library/pandemic-novel-pathogenContent and data are published under CC BY 4.0.