Insurance

Mitigation

1. 800.37aInsurance is a pool of points, and each point prevents up to 10 damage from one incoming damage instance by default. Underwriting adds its listed amount to every point's capacity. A point is spent whole even against a smaller instance, so a 3-damage Venom tick costs a full point.
2. 800.37bWithout Underwriting, one instance can spend several points: a 60-damage hit into 3 points spends all 3, absorbs 30, and lets 30 through to Shield and then Vitality. The same hit into 2 points absorbs 20 and lets 40 through.
3. 800.37cInsurance is measured after Armor and the incoming-damage cap, and before Shield. Armor is applied first, so points are spent on the reduced amount.
4. 800.37dDamage a point absorbs is prevented outright. It reaches no Shield and no Vitality, it produces no Feast, and it scores the attacker nothing.
5. 800.37eAn instance Insurance swallows outright still triggers Thorns and Riposte, which do not read the damage value. Nothing else in the on-damage-taken fanout fires. Both stay silent when there is no hostile actor to answer — an overtime tick — and when the instance is itself a retaliation, as a boss Reflect is.
6. 800.37fSubrogated points are spent before plain points, and they retaliate for exactly what they absorbed — a Vitality loss on the source, not a damage instance.
7. 800.37gRelentless does not block Insurance; it is not a negative status.
8. 800.37hTwo different Scrip patterns read Insurance and they behave differently. "When this gains Insurance" and "When an ally gains Insurance" are one-shot triggers that fire on each positive grant and keep whatever they gave. "While this has Insurance" is a reversible stat layer instead: it is applied once no matter how many points arrive, never stacks on repeated grants, and is removed the moment the last point is spent.

See also Shield Burn Venom Interest Feast

In 800 Keyword Abilities