Ring of the Owed Hour

Wide ring of red gold with a bezel that holds no stone, only a shallow empty setting worn smooth around the rim.

The wearer does not die when they should. Reduced to 0 hit points they go on acting normally, cannot be brought below 0, and have one hour in which to be healed above 0; healed in time, the debt is cleared and the ring will hold them again the next time, and if the hour runs out they die where they stand. Nothing else may ward the wearer against dying while it is worn.