What is Insurance Bets in Blackjack?

Dealer holds up 2 cards to show insurance bets.
Christopher Baude

Editor-In-Chief, Christopher

Last updated on 12th June 2021

Published: 26/07/2019

Categories: Blackjack Articles, Blackjack Guides, Blackjack rules 3, Guides

Guide to Insurance Bets When Playing Blackjack

The Blackjack insurance bet is a side bet option. If you have started to learn Blackjack online from India and know the basic rules of the same, there are a certain side bet options and other features that come in handy.

Here I take a look at what insurance bet is and how it can benefit you while playing Blackjack online.

You can apply this knowledge both at Indian online casinos and land-based ones.

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What is Insurance Bet?

The Blackjack insurance bet is a side bet feature. You can make the bet if the dealer shows his first card as an ace.

This side bet is additionally made to the original bet placed and you are betting on that the dealer gets Blackjack.

Payout is 2 to 1 if your bet is successful.

Insurance bet’s main aim is to win back some of your original bet if the dealer lands a Blackjack.

Insurance Bet Example

For instance, when you bet an amount of $20 on a Blackjack hand, you could be dealt 19 while the up-card of the dealer would be an ace.

You can then decide to bet on insurance, maybe an amount of $10.

The dealer will then look at the down-card and if it is a 10 or face card that makes it a Blackjack naturally. You lose your original bet but the insurance bet of $10 pays you $20.

blackjack card icon circle

The Rule in Insurance Bet

Payout in Blackjack insurance bets is almost always 2 to 1. You need to bet the whole amount of what you originally bet when the hand was dealt out to get your money from your original bet back.

You win if the dealer gets a Blackjack. If the dealer does not get Blackjack then you lose the insurance bet.

If you want to read up more on payout & house edge of Blackjack, check out my article on 3:2 vs. 6:5 Blackjack payouts.

Instances when Insurance Bets Work

This is not an option that you need to exercise at all to be honest. It is best to opt for wagering on insurance when you count cards in blackjack in a real casino.

If you are at an advanced card counter where you keep track of the ten point cards left on the deck, the more face cards and tens have been on the deck, the more it is likely that the dealer will hit a Blackjack.

If you have followed this count then insurance would be a profitable bet to place. It is best to opt for it when you have been playing several hands of the game at live casinos.

Odds for Insurance Bets

Exact odds when to win a Blackjack insurance bet are not always the same. These depend on the decks used and a number of cards of ten point values that have been dealt with already.

In general insurance bets do not come through and odds usually come off against the player.

There is another reason why you need to avoid insurance. If there are several decks being used in a single game, the odds worsen for a player.

House edge on insurance bet is about 5.8% when a single deck is used. The number becomes 7.5% when eight decks are used.


It is best to avoid Blackjack insurance bet as a strategy when you play Blackjack, especially with one deck cards and at an online casino site.

Do so only when you have been keeping count and know the kind of cards that have been dealt out.

However, knowing that you have a Blackjack insurance bet is an option can come in handy, especially as you play long sessions at casinos.

It is a technique used by advanced and expert players, it is best that you have a card counter handy when you opt for this side bet.

Keep that in mind next time you are looking through a list of online casino games and decide to play blackjack.

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