If your HP goes down to zero, you become unconcious.
If you\'re attacking something such as a rac, grendol, rogue, ulbernaught, etc, you will die and go to the death realm.
If you are killed by a gladiator or another player, you might merely go unconcious.
If in a duel, the person who won the duel has the choice of whether or not to kill you.
People who become unconcious might be killed by monsters in the area, or if they are in the city they may be warped to a place of healing such as a temple or tavern room. If in the middle of nowhere, something else would have to happen - perhaps they wake up with 10% HP or something.