But if you, in any way have a compromised immune system as a result of heart disease, diabetes, chronic respiratory disease such asthma, bronchitis etc, hypertension, or cancer, in that order, it can lead to pneumonia as the virus attacks the lower respiratory system. This is when you need hospitalisation. No access to a ventilator, then you're in serious trouble. If you're under 50 and have a good immune system then you've got a really good chance of it not reaching the second stage, however there is still a risk