Not sure if this has been suggested before, but here's another idea of mine.

This would be more aimed at role players who think that you shouldn't recover from the fringe of death simply by waiting an hour or sleeping in a comfy bed, as well as characters who do not know restoration or have run out of potions. The mod would add a healer to each city and a few scattered around the wilderness. Healers are kindhearted and bound to heal anyone, regardless of their patient's sins. When asked, they will tell you to lay down on a bed or, depending if it's in the wilderness, bedroll in the healing room. The healer will then cast an on touch healing spell with a low amount of points and an extremely high duration. This will ad realism in that, if you are gravely wounded, you will have to lay there for a few in game days. If you have a few cuts and bruises, it will take mere minutes. The healing service would be free to any character, as it would be against the healer's ways to refuse service to the poor. You would be able to buy healing and cure disease potions from the healer, and the building would have free food and drink on the tables. The building is a sanctuary for all, if your character has a bounty on his/her head, the healer will lead you to a hidden room to spend the night and heal up. There could also be a few NPC on other beds named "wounded soldier" or "sick patient" who serve no purpose but atmosphere. Of course, if your feeling cruel, you could feed off of them as a vampire.

So, what do you think? Because I'm on the 360, I'll never see this happen, but I figured I might as well you guys.

It's not exactly how you described it, but it's very similar. Click on my signature and then on Healers.