What Does Insurance Mean In Blackjack?

In blackjack, what is insurance? If the dealer’s up-card is an ace, the player can place a side wager on blackjack insurance to protect themselves against the dealer’s hand being ‘blackjack.’

Insurance odds in blackjack are 2/1, and the maximum bet is usually half of the player’s primary bet.

In the event that the dealer has blackjack, the player may be able to break even on the hand, even if they lose their main stake.

Before the dealer checks their hole card (the one not visible to the players), insurance is offered and paid out if the hole card has a value of 10, resulting in a two-card 21.

When should you take blackjack insurance?

If the dealer’s up-card is an ace, insurance may appear to be a tempting alternative, as there’s a one-in-three chance their other card has a value of ten.

Unless you are an expert card counter, however, probability implies that insurance is a losing gamble in the long run.


To win your insurance bet, the dealer must hold a 10-value card as his hole card. Expert card counters can keep track of how many cards are left in the deck and determine when there are enough to make the percentage call on insurance.

Why should you avoid taking insurance in blackjack?

  • The example below demonstrates why, even in the best-case situation, betting blackjack insurance is a losing strategy in the long run.
  • In a one-deck game, you’re playing alone versus the dealer, and neither of the cards in your first hand has a value of ten.
  • As a result, 16 of the remaining 49 cards have a value of 10, ensuring that your £10 insurance bet has the best chance of winning.
  • Regardless, your position is one that is unlikely to be sustainable in the long run.
  • The £10 insurance bet wins 16 times on average and loses 33 times. Each win is worth £20, for a total of £320.
  • However, the 33 losses at £10 each leave you with a total loss of £10.
  • Because neither you nor any of the other players have 10-value cards in their starting hands, this is the best-case situation. If this were the case, the odds of the dealer having a 10-value hole card (and thus winning your insurance bet) would be substantially slimmer.

In Blackjack, how does an Insurance Bet work?

An insurance bet is a form of side bet that pays 2 to 1 and is usually half of your original wager. If the dealer’s upcard is an Ace, you have a good hand of 15 or more, and you are convinced that the dealer’s second card will award them Blackjack, you must play insurance.


If these conditions aren’t ideal, we suggest letting the chips fall where they may and proceeding with the hand as usual.

When Should I Get a Life Insurance Policy?

When the dealer’s upcard is an Ace and you have a good hand of 15 or better, you should place an insurance bet. That way, even if your insurance bet loses, you still have a chance to win the round.

Players lose more than half of their insurance bets on average, and because the bet pays out 2 to 1, it can become a losing proposition.

Insurance bets might lose you money in the long term, especially if you don’t know how to count cards or use the basic techniques.

What are the Insurance Bet Odds?

The actual odds of winning an insurance bet vary from game to game and are determined by a number of factors ranging from the number of decks used to the amount of 10-point cards given.

It may appear that the odds are stacked against players, but those who are proficient in basic strategy and card counting may be able to maintain track of the situation and recognize when the conditions are ideal for making a lucrative insurance bet.

Although playing online blackjack can be difficult, we recommend playing a few games of free blackjack to gain a feel for the odds and get used to placing insurance bets.

When playing live dealer or real money blackjack, the amount of decks utilized is equally vital to consider. The greater the number of decks, the more likely you are to lose your insurance bet.

As a basic tactic, players learn to hit, stand, and split when they first start playing blackjack. The insurance bet, on the other hand, is one of the most popular and simple side bets available.

The insurance bet pays 2/1 and provides some protection should the dealer be dealt a powerful hand. Is it, nonetheless, worthwhile to place the wager?

Let’s take a deeper look at this insurance coverage to determine if it’s something you should get…

What is blackjack insurance and how does it work?

Blackjack is a simple game in which you must reach as near to 21 with your hand as possible without going ‘bust.’ However, sometimes all you have to do to win is beat the dealer’s total.

When playing online blackjack, the player is always the one to make the first move.

They must make the best judgment as to whether their hand is better than the dealers without all of the information. The player must decide whether to hit, stand, or double down based on the dealer’s up card.


But what if you had a way to protect yourself from the dealer beating your total? This is where insurance can help.

Insurance is a side bet that allows the gambler to risk half of their original wager if the dealer hits a natural blackjack (a hand containing an ace and a picture card for a total of 21).

Only if the dealer has an ace can insurance be taken. When this happens, the table on your computer screen will flash and you will be given the choice to place your bet.

The insurance bet pays out at 2/1 if the dealer does reveal 21.


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