The Fatal Frame series is one of my personal favorites when it comes to survival horror games. The games have a uniqueness to them that make them a delight to play, and they really do continually scare your socks off!
The first installment in the series is set in the abandoned Himuro Mansion in 1980s Japan. You play as Miku, on the search for her brother who has recently gone missing at the mansion. You are armed only with the Camera Obscura - an antique camera that can be used to fight off and capture ghosts.
The game's atmosphere is rather creepy, as you never know when or where ghosts are going to appear, or how violent they may become upon seeing you.
In the clip below, YouTube gamer TrueGameMage illustrates just how suddenly the spirits in this game can take you by surprise, and it really does leave you with a racing heart every time!
Watch from 1:50 for the specific jump scare