Insurance

 allows you to retrieve any items that have not been extracted from a raid, with a delay.

Except for raids on The Lab, make sure to always insure the gear you go out with using the Insurance Screen, just before entering the lobby. You can click on the "Insure All" button to make sure that you select all of your belongings. To confirm, press the "Insure" button just above "Ready". You can choose to insure with Prapor or Therapist:
 * Prapor is cheaper, but returns your insured items after 24-36 hours.
 * Therapist is roughly 1.5x more expensive, returns your items after 12-24 hours. You also have 6 days to collect the insured items instead of the 2 that Prapor offers.

Use the insurance system, even at a low level: There's always the chance that your killer won't loot you, or leave it behind as they find better gear. And if a scav kills you, there's a high chance you'll get everything back.

Your insurer will contact you a few hours/days later to let you know what came back. You can then claim it from the messenger tab. If you do not claim it in 72 hours, the insured items will be lost.