The player who wishes to take Insurance can bet up to half his original bet. The insurance bet is placed separately on a specific portion of the blackjack table, which in general has this inscription: “Insurance pays 2:1 (2:1 Country Insurance).

The player who takes Insurance is betting that the dealer’s second card has a value of 10 or a 10, Jack, Queen or King. The dealer’s upcard is an Ace, this means that the player bets that the dealer receives a blackjack ‘natural’, ie 21 in two cards. The player gets twice what he put in the name of the insurance.

Example: The player bets 10 euro, the cards are dealt, the player’s hand is 19, and the dealer has an Ace The player takes Insurance by betting an additional 5 euros. The dealer deals cards to players and then distributes his second card and receives a blackjack. The player lost the 10 € of his hand, but his insurance bet wins, then the player receives his insurance 2:1 5 euro or 10 euro (plus 5 euros that are returned). Note that the player does not win or lose on this tour. If the player has split or doubled, it loses all its extra bets.

The player can win his bet with his initial hand and lose his Insurance bet. Suppose we have the same situation as above, but the dealer’s hidden card is a 7. In this case, the player loses his bet 5 euros insurance. But the player wins (possibly) his bet with his hand. Note that the player makes a profit on this tour. The player may lose both its placing on his hand and his insurance bet.

Avoid insurance if you do not count cards

Insurance is a bad bet for the player who has neither knowledge nor estimation (via card counting) of the hidden card / dealer’s second card because the insurance has a negative effect on the chances of the player.

For card counters: if the TC is 3 or better, we take systematically insurance against an Ace, no matter the hand that is a.

Even money = Insurance

The insurance still pays 2:1, while the odds of the dealer having a blackjack are very close to 9:4 (2.25:1) as the number of decks used. Even for the player to whom they distributed a natural blackjack (a 21 in two cards), it is unwise to take Insurance. In this case, the dealer usually asks the player “Even money?” (“Even money” in English). This means that instead of 3:2, the player agrees to be paid 1:1. This is exactly the same thing as taking out insurance, losing the Insurance bet and getting paid 3:2 for blackjack. (If the player with the natural blackjack refuses the offer of “same amount”, and the dealer discovers its hidden map to a natural blackjack too, there is equality and the development of the player is made).