Cyberware Insurance (TANSTAAFL Part 3)
🟡 Updated this year⚠️ Install Order · 6 steps
Install in this order, then this mod last — most mods fail to load without their framework and dependencies in place.
Preview

🔍 Analysis
- 👍 0.5% endorsement rate
- 🏆 #299 of 455 Gameplay mods in this game by downloads
📋 About This Mod
TANSTAAFL: Part 3
by r457 & gh057
“Oh, ‘ tanstaafl.’ Means ‘There ain't no such thing as a free lunch.’ And isn't,” I added, pointing to a FREE LUNCH sign across room, “or these drinks would cost half as much. Was reminding her that anything free costs twice as much in long run or turns out worthless.”
Robert A. Heinlein
“The Moon Is A Harsh Mistress”
Part 1 of the mod is here.
Part 2 of the mod is here.
Prerequisites:
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[]redscript
[
]red4ext[]Codeware
[]ArchiveXL
[]TweakXL
[]Mod Settings
Installation:
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[]Download the main archive
[
]Extract the archive into the Cyberpunk 2077 install folder - Installing Part 1 and Part 2 is highly recommended!
Description:
In Cyberpunk 2077 we’re supposed to live in a harsh future world ruled by ruthless corporations and corrupt administration knowing no other God but Money. For anything and everything - you pay. And if they could make you pay for the air you breathe - they would.
Our goal with this mod is to bring that harsh atmosphere into the game. Patch 2. 0 did good reworking many of the badly done systems (skills, cops, etc), but in our opinion it’s not enough.
TANSTAAFL consists of several parts that can be downloaded and used independently, but we do recommend installing them together for the full experience.
Part 1 of the mod introduces the Vehicle Insurance system into the game. We have tweaked the numbers taking into account other parts and added phone integration as well as a small surprise for all the careful drivers out there.
Part 2 brings in the Life Insurance system. Saving is no longer an option you’ve got everywhere and dying has its price now. If you’ve got an active subscription, you will be revived by Trauma Team medics upon your death. Our teams are generous and will still revive you even with subscription expired, but in that case the safety of your personal belongings is not guaranteed. New update overhauls the initial emergency beacons mechanic: you can now request an emergency biometric data backup from your phone, but it costs money and loading is not free either - when you restore from an emergency backup, it’s treated like a resurrection with all the corresponding costs and penalties applied.
Part 3 adds the damage system to cyberware. Each time you engage in combat and suffer damage or when you use your cyberdeck to upload hacks, you’ve got a chance to have your precious chrome damaged. The chance depends on how hard you’ve been hit (how costly was the hack you uploaded), how much armor you’ve got and which tier is
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[]Download the main archive
Cyberware Insurance (TANSTAAFL Part 3) is a gameplay mod for Cyberpunk 2077 that aims to intensify the harsh cyberpunk atmosphere by introducing cyberware insurance mechanics. It's part of a series by r457 and gh057, with 61 endorsements and over 12,000 downloads, last updated in October 2025.
✨ Key Features
📊 Pros & Cons
✅ Pros
- Decent traction with 61 endorsements and over 12k downloads—clearly some players are digging it.
- Part of a series, so if you liked the previous TANSTAAFL parts, this continues that vision.
- Targets a specific niche: players who want more challenge and atmosphere from cyberware.
⚠️ Cons
- Only 61 endorsements, so it's a niche mod with a smaller following.
- No mention of compatibility with other mods or save games—risky if you're deep into a playthrough.
For Cyberpunk 2077 players who want a grittier, more punishing experience, especially around cyberware. If you're a fan of the TANSTAAFL series and want to extend that harshness, this is for you. Skip if you prefer a more casual or power-fantasy playthrough.
💡 Beginner Tips
- Check the mod's forum posts or the previous TANSTAAFL parts for install instructions—the description here is bare-bones.
- Since it's a gameplay mod, consider starting a new playthrough to avoid mid-game balance issues.
- Look for compatibility patches if you use other cyberware overhaul mods.
📊 Mod Details
- Game
- Cyberpunk 2077 Mods
- Author
- r457 and gh057
- Version
- 0.9.3
- Downloads
- 12,357
- Endorsements
- 61
- Category
- Gameplay
- Created
- 10/12/2025
- Updated
- 10/23/2025
🔧 How to Install Cyberpunk 2077 Mods
Download from Nexus.
📖 Full step-by-step install guide for Cyberpunk 2077 →
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