Sometimes in your rpg a player is seriously injured and you want them to have some kind of medium to long term consequence as a result.

There are games that have tables for these kinds of things but I find a narrative approach can be better unless you’re completely stuck.

Ask yourself:
How was your character attacked?
To what part of the body?
How severe was the attack and subsequent injury?

If you’re unsure you can roll a d10
1-2 head
3 upper torso
4 lower torso
5 right arm
6 right hand
7 left arm
8 left hand
9 right leg or foot
10 left leg or foot

You could tweak this d10 roll in any way that makes sense in the situation.

Then whenever they use that part of the body they have a mechanical disadvantage. So if their right hand is injured they might have -1, or -2, or disadvantage on anything that uses Dexterity unless they find a creative way around the problem of having one dodgy hand.

Or it could just take your character longer to do tasks they’re skilled at that use that part of the body. Like taking twice as long to pick a lock if they’re a thief.

An attack on the head might leave them an ugly scar that affects their charisma and scares children, or it might effect their intelligence in the same mechanical way as above unless they find a creative way around the problem (eg. getting someone to help them).

You can describe the long term effect narratively too based on how the injury was sustained. Hand burned by the fire breath of a dragon…the fingers might be burned and fused together. Head struck with an axe…there’s a huge scar across the character’s face, etc. etc.

My biggest tip is that as a player any disadvantage it creates you can try to overcome with your own creativity. And for the GM let it create problems the player has to deal with at the least opportune times.

The thief fleeing from a band of guards comes to a locked door and has to pick it, but now it takes them twice as long. How do you use your creativity as a player to overcome this problem? Do you backtrack? Hide on the ceiling? Jump out a window and climb down the wall instead?

It’s the unexpected obstacles that make a game fun for players when you approach them with creativity and a spirit of fun and adventure.