Blackjack Insurance: Explained and How It Works

Blackjack Insurance

When a dealer has an Ace as face up, he/she will ask the players at the table if they want to take out insurance. If a Blackjack player wants to bet on this side, they must place an additional half of their initial bet on the table called insurance. Find out in detail how blackjack insurance works at W88 casino games in the following article.

What is insurance in a Blackjack game?

Blackjack insurance is a side bet awarded to a player if the dealer’s card is an Ace. As the name suggests, it acts as an insurance if the dealer’s hand is ‘blackjack’. Normally, the insurance bet is half of the original bet and pays 2 to 1. In other words, the maximum allowed bet is half of the player’s main bet.

Blackjack insurance example

First and foremost, you should take out insurance if the blackjack game you are playing allows the dealer to stand on soft 17. Also, you must be 20, 19 or 18.

Blackjack Insurance Example

For example, you go to your favorite online casino and place a $5 blackjack bet. You are then dealt a nine or Jack of Hearts, and an ace is the dealer’s card. Now you decide to get $2.50 in insurance, which is half of your original bet. Next, the dealer reveals ten as his/her second card. In return, the insurance bet pays 2 to 1 and breaks even in your hand.

Insurance-related situations in Blackjack on W88

Insurance is one of the options offered in the Blackjack game that is often used incorrectly when playing live. Insurance is a side bet you are offered when the dealer’s face-up card is an Ace to protect you if the dealer has drawn Blackjack.

The profit from a successful insurance bet is decent, as you will get two pounds for every table you bet at 2:1.

When all the players participating in the table have come to a decision, the dealer checks to see if they have Blackjack. If the dealer has Blackjack, the players who have withdrawn the insurance will lose their original bet.

However, they will win the insurance bet and get 2:1 odds if the dealer doesn’t have Blackjack. At this point the insured players lose their insurance bets and the game continues as usual.

When should players buy insurance in Blackjack?

W88 casinos give you a way to protect yourself in the event of a Blackjack by the dealer. However, while coverage may look like a large sum, their percentage shows the opposite.

Insurance bets are expected to lose money in the long run as the house is likely to have Blackjack. The odds on insurance bets vary depending on the number of decks used in the Blackjack game: 4 decks – 7.25%, 6 decks – 7.40%, 8 decks – 7, 47%.

How does Blackjack Insurance work?

Insurance bets are so far in favor of the bookie. The percentages above ultimately reflect the online casino’s odds of winning. The right time to buy insurance is when you own the Blackjack cards.

You may want to insure it to get a positive return. Blackjacks pay 3:2 but they don’t show up very often. If you face the worst possible scenario of playing Blackjack at the same time as the dealer, you will be pushed.

When a push occurs, you will not receive any money for your Blackjack game. If you withdraw the insurance in this case, it will still result in a hit, but you will still get a 2:1 return on the insurance side bet. If the dealer doesn’t own Blackjack, you lose your insurance bet but still get 3:2 on Blackjack.


Blackjack insurance can be a way to help you make quick profits when playing blackjack on W88 online casino. However, you should also analyze the situations in which insurance should be used and which situations should not be used to preserve the bet capital.

>> Related: Blackjack Side Bets Explained