Newbie Healing

Low-level players have access to free healing in many areas. It's usually from a cleric NPC or by sleeping in a particular room.

Ghost Ship

Lie down in the peaceful cabin upstairs (at the north end, behind a door) to increase your healing rate. Some people leave a bedroll here to sleep in and heal even faster.

Iceforge Clan Forge

Fiona the cleric will sometimes help if you ask her to heal you. She will also heal non-newbie players, but charges a fee for this. CAUTION: this is not a newbie area. Do not attack NPCs here unless you have some idea what you are doing.

Island Commune

"Sleep in cot" upstairs in the house to the west.

Manor

The haunted manor just north of Tantallon has a room upstairs where you can use "sleep" to heal more quickly.

Morin Farm

Uladia the cleric will sometimes help if you ask her to heal you.

Puffin Beach

Find the room with Rae in it.

Spiders Nest (thicket of bayberry bushes)

There is a nest here where you can "sleep". The dreams are a bit creepier than those in the Manor...

(still need to investigate other newbie areas)