Insurance in Blackjack

Insurance in blackjackThere is such a thing as insurance player in many card games. For example, you can protect yourself from injury in the hand of blackjack, Caribbean Poker. The player is invited to insure that when first exposed card the dealer has an ace opens. If a player decides to insure, it puts half of their current rates. Whether favorable insurance in blackjack?

Statistics of insurance at blackjack:

If the player has decided to hedge and put half of your bet, then if the dealer has blackjack really fall out, that is his ace will dozen or picture, then the player loses his bet and insurance will be paid 2 to 1. In other words, the player will not win anything, but do not lose if the insurance will be paid.


For example, a player bets 100 credits for boxing and the dealer shows an ace as the first card. The player decides to hedge against blackjack and puts on a strip of insurance has 50 credits.

Insurance played: The total bet is 150 credits. Dealer accepts insurance and opens the King (ten, or any other image). The dealer has blackjack. The player loses a bet on boxing 100 credits, and insurance bet is paid at the rate of 2 to 1, those dealers pays the player 100 credits. As we can see the player has lost and won 100 credits to 100 credits.

Insurance is not played: Now let's look at the situation that the dealer did not come out a dozen (or any image), the second card. The dealer does not have blackjack - insurance lost. And it starts a standard set of cards to the dealer.


Lets count, what are the chances of reaching the second card tens (or images) on the other cards. We need to count to four: tens, jacks, queens, kings. Only 16 cards are in the game. Now the remaining four cards: twos, threes, fours, fives, sixes, sevens, eights, nines and aces. Only 36 cards are in the game. In other words, the chances that there will be blackjack that is not 4/9. We see one ace, so blackjack single deck, chances are a little closer to 1/2, namely 16/35, but in normal (6 packs) 4/9 chance we do not have to make a decision about insurance for which must be at least 1/2 and 4/8. These statistics calculations operate on the condition that the player does not counting cards.

Plus or minus:

Even moneyLet us consider the case when a player is considered out cards and presents how the deck is hot (how much more there is left a dozen and pictures regarding other cards). Let's imagine that a player comes up and nothing works with the most common system called Plus-minus. Will the fact that the value of insurance in blackjack?

If the bill becomes a real 3.3 above, it is possible to insure against the blackjack dealer. If a real account below 3, the insurance will be statistically unfounded, as to justify the security we need a chance of reaching tens dealer in the third or more.

The concept of Even Money

The offer of Equal Money makes the dealer instead offers insurance in blackjack, if the player has a blackjack (ace and a ten (or picture) from distribution), and the dealer has an ace or a ten (picture) opened the first card. In practice, in real casinos offer is only open when the ace, but the rules and describe the situation of ten. If the player accepts the offer of even money, he gets the win before the opening of the dealer his second card, but with a ratio of 1 to 1, instead of 1 to 1.5 (payment for blackjack without "equal money").

Based on the calculations described above, we can conclude that for statistically justified the adoption of such proposals deck must be very hot. Live account at plus or minus must be at least 3.3 to accept the offer. If the player is not deemed to have withdrawn the card, it is necessary always refuse the offer "equal money", as well as from insurance in blackjack.

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