﻿ Mathematical value of insurance at blackjack

# Insurance in Blackjack

There is such a thing as an insurance player in many card games. For example, you can protect yourself from injury in the hand of blackjack, the Caribbean Poker. The player is invited to ensure that when first exposed card the dealer has an ace open. If a player decides to insure, it will put half of their current bets. Whether will be favourable the insurance at the blackjack?

## Statistics of insurance in blackjack

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

### Example

For example, a player bets 100 coins 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 which is 50 coins.

Insurance is played: The total bet is 150 coins. Dealer accepts insurance and opens the King (ten, or any other image). The dealer has blackjack. The player loses a bet on boxing 100 coins, and the insurance bet is paid as 2 to 1, those dealers pay the player 100 coins.

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.

### Value

Let`s count, what are the chances of reaching the second card tens (or images) on the other cards. We need to score 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 at the 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 standard (6 packs) 4/9 chance we do not have to decide about insurance for which must be at least 1/2 and 4/8. These statistics calculations operate on the condition that the player is not counting cards.

### Plus-minus

Let 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 that is called Plus-minus. Will the fact be that the value of insurance in blackjack?

If the bill becomes a real 3.3 above, it will be possible to ensure 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 the Equal Money makes the dealer instead of it 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 to open the ace, but the rules and describe the situation of showing any ten. If the player accepts the offer of even money, he will get the winning 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 which are described above, we can conclude that for statistically justified the adoption of such proposals deck must be very hot. A 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 will always be necessary to refuse the offer "equal money", as well as from insurance at the blackjack.

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