Player Insurance in Refaim is highly valuable as they heal all of your injuries right after battle. The Player Insurance company wants to let old and new inhabitants have the opportunity to get insurance. Your insurance cost is based on how long you've been a warrior for Refaim as well as how much experience you have in fighting. The insurance company will provide you with full coverage for the duration you have chosen for your plan, they offer a 1 hour, 6 hour, 12 hour and a 24 hour coverage.