Wurm online actually had an intresting damage system from what I could recall when playing ages ago. Might be different now.
Separate parts of your body (each limb, hands, head, and torso) could recieve wounds of various HP damage. I think it was 0-2.5 for very light (think minor cuts or bruises), 2.5-5 for light (moderate sized cuts, strains, anything that will actually impair you), 5-10 for medium (large cuts, fractures), 10-20 for large (huge cuts, minor organ damage) and above 20 for very large (major organ damage).
All characters have a HP value of 100 and taking more damage than that = death
The creativity comes into it with the way healing works. Very light damage will heal in a matter of minutes on its own. Light damage will heal over an hour or so. Moderate damage will not heal without intervention in which case it becomes equivalent to light damage in healing rate. Heavy damage will slowly get worse (and can actually become very heavy damage) unless treated, at which point it will heal slowly. The same is roughly true for Very Heavy damage except that it can get worse rapidly enough to cause you to bleed out without urgent attention.
I feel that the way healing works is detailed enough to roughly represent how you need to treat real-world injuries without going full simulator level like dwarf fortress.