Bearish
$UNH US population=320 million US population infection rate=50% (conservative number) US Population above 80 years=20%(conservative, it affects 60s too) Population above 80 years that need hopitalization=20% (conservative , US numbers are 27%) Population with medical insurance = 30% UNH market share= 15% (conservative) Price per bed for pandemias between 10k and 40 k, depending on how ill is the patient(14% of this population die), Lets be kind and assume 15k (very conservative) TOTAL in Claims=$4320 Million, been conservatives and assuming no other liabilities.
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