Currently much attention is focused on SARS-CoV-2 and its implications on insurance business, economy and society. What is the current state of the art, what did we learn so far? Will we face in a foreseeable mid-term future another pandemic, possibly SARS-CoV3? What are the chances? Currently one key aspect is completely ignored in the context of the SARS-CoV-2 pandemic: numerous COVID-19 patients are treated blindly and on a large scale with antibiotics. So this approach increases significantly the risk of widespread antibiotic resistance, a "pandemic" of its own kind, as this does not affect only infectious diseases, but surgeries of all kind which will be more hazardous than currently.