D&D 5E Help me setup "Clerical Insurance"

[Shiroiken]

Something else to consider is how common casters are in your setting. Having a cleric in every temple means there are a lot of casters overall. I usually only have casters exist in towns or larger, although the occasional caster might exist in a village or as a hermit.

 

[Cap'n Kobold]

Even if you grant NPCs the same death saves as PCs to not die after being severely injured, actual opportunities to use the insurance would be few and far between.

 

[Ixal]

Depending on how much power the churches have in your world the commoners would throw your extortion temple out as soon as a priest of a different faith who will do it cheaper comes around.
Or at least they will go to the temple who offers it the cheapest, because why only have one with so many gods around?

Collections: Practical Polytheism, Part II: Practice

Part II of a series at the underpinnings of ancient polytheistic (Greek, Roman, Mesopotamian, Norse, etc) religious practice.

acoup.blog

 

[(Psi)SeveredHead]

Just introduce the historical concept of a tithe, and one of the benefits that the populace get in return is general healing and spiritual care.

I like that idea. The wealthy tithe more, so they get served first. That's not good, but you know why it's happening.

Depending on how much power the churches have in your world the commoners would throw your extortion temple out as soon as a priest of a different faith who will do it cheaper comes around.
Or at least they will go to the temple who offers it the cheapest, because why only have one with so many gods around?

Collections: Practical Polytheism, Part II: Practice

Part II of a series at the underpinnings of ancient polytheistic (Greek, Roman, Mesopotamian, Norse, etc) religious practice.

acoup.blog

The extortion temple probably has backup from the local noble, otherwise it would be toppled by a "nicer" church.

 

[Benjamin Olson]

Just throw a deductible on anything over a 1st level spell.

 

[Baron Opal II]

For the peasantry (and PCs below 5th level) I have the Temple of the Septeon (major faith) charge 5% of the person's gains over the next year for a significant injury and 10% for preventing death / ACLS-level services. This provides the temple a level of semi-reliable income and the peasantry a safety net. For the most part only 1st and 2nd level spells are available, as well as medicines and follow-up care. First aid level care is taken care of from weekly services and tithes.

If they're all dead instead of mostly dead, the main temple is that-a-way and you had best be rich or connected.

 

[Minigiant]

A 10% tithe to your local church with clerics and social shunning of community members who don't live moderately healthy lives.

 

[Benjamin Olson]

I think the clerics need to recruit a druid, so that their cheaper health plan can offer only Reincarnate instead of Resurrection.

 

[Eyes of Nine]

What I like about this idea is that it could be a great source of adventure ideas. The PCs are insurance investigators, seeking out insurance fraudsters, or tracking down the collector who decided to make off with the money instead of bringing it back to the church.

 

[Leatherhead]

Would you even need cure wounds for this? Wouldn't spare the dying work?