If you know basic scripting you can do it i think,

it is like

Define skill55;

then check if the players health is beneath 0 and his skill

if (me.healthpoints < 0 && skill55 == 1)
{
Open the special door/ drop key or what you like to happen
}

Don't know if it can be done easier with templates cause i dont work with them

Goodluck

Greetzzz,