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Blackjack
Insurance
When the banks face-up card is an ace, the dealer will ask if you want "insurance". The cost of insurance is half your original bet. This is placed on the insurance betting strip above your box. Your insurance bet pays in ratio 2 to 1 if the bank gets a blackjack, which will equal the amount you lose on the original bet.
Example: your original bet was $20. The bank has an Ace showing and you decide to place an insurance bet for $10. If the bank gets a blackjack, you lose your original $20 bet but win $20 on the insurance bet so you are even. If the bank does not have a blackjack you lose your $10 insurance bet and continue playing the hand by normal blackjack rules.
Our recommendation
The basic strategy player should simply never take the insurance bet. Card counters on the other hand can often detect situations where the bet is profitable. Never take an insurance bet if you do not count cards. NEVER. Not even if you are holding a Blackjack.
A word about card counting: The dealer deals cards from a deck that consists of 6 decks at 52 cards each. 312 cards. After every round the cards used in the game are put aside and are out of the game. If you count cards you can take these ‘missing’ cards in consideration and calculate the resulting changes. Card Counting is for very advanced players.
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