Blackjack Insurance: Why Taking the Side Bet is Mathematically Weak

The Math Behind Blackjack Insurance

When the dealer's face-up card is an Ace, the table offers an 'Insurance' side bet. This bet costs half of your original wager and pays 2:1 if the dealer has a Blackjack. Let us look at the math.

1. The House Edge on Insurance

In a standard 8-deck game, the probability of the dealer having a 10-value card is only 30.7%. This gives the insurance bet a massive house edge of over 7%, making it mathematically unfavorable for players.

2. Play Smart

Unless you are tracking high cards, always decline insurance. Message support on WhatsApp to join our verified tables today!