PMC Insurance: What Does It Mean in Game Context?

In Escape from Tarkov, understanding the concept of PMC Insurance is crucial for players who wish to minimize losses during raids. This feature allows players to insure their equipment, potentially recovering it if they are killed during a raid.

What is PMC Insurance?

PMC Insurance is a system in Escape from Tarkov that enables players to insure their gear before entering a raid. If a player is killed, and their insured items are not looted by other players, the items will be returned to the player's stash after a certain period. This mechanic provides a safety net, reducing the risk of permanent equipment loss.

How to Insure Your Gear

  1. Before deploying on a raid, you will have the option to insure your equipment while preparing your PMC loadout.
  2. Choose which items you want to insure. This typically includes weapons, armor, helmets, and other valuable gear.
  3. Pay the insurance fee, which varies depending on the equipment's value and the insurer you choose.
  4. Deploy on the raid. If you die and no other players extract with your insured items, they will be returned to your stash after a delay.

Choosing an Insurer

In Escape from Tarkov, players can choose between different insurers, each offering unique benefits and drawbacks. The main options are:

  • Prapor - Offers cheaper insurance rates but with a longer return time for items.
  • Therapist - More expensive but returns insured items more quickly.

Deciding between Prapor and Therapist depends on your playstyle and how quickly you need your gear back. Consider your frequency of play and financial standing in the game when choosing an insurer.

For more detailed strategies and tips, visit the Escape from Tarkov Wiki on Onlyfarms.gg.

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