Any medics here?

I'm not a medic, but I have a good friend who is a GP. She's quite fearful of the people who come to her surgery, despite advice, and thinks it's inevitable she will catch it at some some stage. She's discussed it with her family and they've made contingency plans.

She's very cautious about avoiding risk. For example, she had to go to a meeting in London last week and planned her journey, so that she avoided the tube.