Find out everything you need to know about blackjack insurance here. You get a simple Explanation and valuable Tipshow you use them.
Zuletzt geprüft und aktualisiert: Juni 2026 von Sara Devegano
What is blackjack insurance? 🤔
Black Jack insurance is a Side betthat you can complete when the dealer's face-up card is a Ace is. It is offered to you before the dealer checks his face-down card. The idea behind this is that you protect yourself against the possibility of the dealer making a blackjack (a total score of 21 with two Cards) has.
Important points:
- Insert: The insurance costs half the price of your original Use.
- PayoutIf the dealer actually has a blackjack, the insurance is paid out 2:1.
- LossIf the dealer does not have a blackjack, you lose your insurance bet.
Interesting statistics
According to a study by the MIT Blackjack Team, the average house edge in blackjack is 0.5%. With insurance, this rises to over 2%.
Insurance myths and misunderstandings 🃏
Many players believe that insurance gives them a big advantage, but this is a common misconception. Some also think that the insurance will help them Losses but in the long term it costs more than it brings in.
Where do we play blackjack online?
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Common misunderstandings:
- It's a safe betNo, she has a high house advantage.
- It protects against lossesNo, you often lose more through insurance.
Tips from experts 🎓
Renommierte Black Jack Experten wie Arnold Snyder und Stanford Wong empfehlen, die Versicherung nur unter bestimmten Bedingungen zu nutzen. Zum Beispiel, wenn du ein erfahrener Karten-Zähler bist und die Verteilung der Karten im Deck zu deinem Vorteil nutzen kannst.
Expert advice:
- Arnold Snyder: Avoid the insurance if you do not have more professional card counter.
- Stanford Wong: Only use the insurance if the Decks are rich in 10-value cards.
When should you use the insurance? 🕵️♂️
Strategisch gesehen ist die Versicherung oft eine schlechte Wette. Die Probability, dass der Dealer einen Black Jack hat, beträgt etwa 30,8 %. Das bedeutet, dass die meisten Spieler auf lange Sicht mehr verlieren, als sie gewinnen, wenn sie ständig Versicherungen abschließen.
Expert tips:
- For professionals only: If you count cards and know that there are a lot of 10-value cards in the deck, it might make sense to use the insurance.
- Casual player: For most players, it is better to avoid insurance.
The math behind the insurance 📊
To understand why insurance is usually not a good idea, let's take a look at the math. When the dealer shows an ace, there are 16 cards in the deck that are worth 10 (10, J, Q, K) and 36 cards that are not. This means that the probability of a Black Jacks is about 4:9.
Statistics:
- Probability of a blackjack: 4/13 (30,8 %)
- House advantage with insurance: Over 7 %
The effect of insurance on the total stake 🎲💸
Suppose you play 100 hands of blackjack with a stake of 10 euros each. You decide to take out insurance every time the dealer shows an ace. The insurance costs you half your stake, i.e. 5 euros per hand.
Profit calculation with insurance
- Insured hands (30% of cases):
- Use per hand: 10 Euro
- Insurance per hand: 5 Euro
- Insurance payoutRatio 2:1
- Total gains from insurance: 30 x 15 Euro = 450 Euro
- Total stake (insurance): 30 x 5 Euro = 150 Euro
- Uninsured hands (70% of cases):
- Hands won (34)34 x 10 Euro = 340 Euro
- Lost hands (36): 36 x 10 Euro = 360 Euro
- Insurance costs: 70 x 5 Euro = 350 Euro
Overall result
- Total profit (insured hands)450 Euro - 150 Euro = 300 Euro
- Total loss (uninsured hands)360 Euro - 340 Euro - 350 Euro = -370 Euro
- Final result after 100 hands300 Euro - 370 Euro = -70 Euro
Example 2: Comparison without insurance 🃏💼
Now let's look at how your profits change if you forgo the insurance.
Profit calculation without insurance
- Use per hand: 10 Euro
- Total stake (100 hands): 100 x 10 Euro = 1000 Euro
- Hands won (34)34 x 10 Euro = 340 Euro
- Lost hands (36): 36 x 10 Euro = 360 Euro
Overall result
- Final result after 100 hands340 Euro - 360 Euro = -20 Euro
Conclusion
Without the insurance, you will only lose 20 euros after 100 hands, compared to the 70 euros lost due to the additional insurance stake.
Example 3: Long-term effects and strategies 📊🧠
The calculation shows that the insurance may appear attractive in the short term, but leads to losses in the long term. The house advantage is increased by the additional costs of the insurance.
Strategies for maximizing profits
- Waive the insuranceStatistically speaking, insurance leads to more losses than gains.
- Use the Basic StrategyThis optimizes your decisions based on the dealer's face-up card.
- Bet on card countingExperienced players use this technique to optimize their bets and decisions.
🃏 Frequently asked questions
❓ What is a blackjack insurance bet?
A bet you place when the dealer has an ace as a face-up card to cover yourself in case the dealer has a blackjack.
❓ How does the Blackjack insurance bet work?
You bet that the dealer has a blackjack. If so, you win 2:1; if not, you lose the stake.
❓ When should I place an insurance bet?
Only in certain situations, e.g. with a high true count or if you have a blackjack yourself.
❓ Are there strategies for the insurance bet?
Yes, like counting cards and using strategy tables.
❓ Are there alternatives to insurance bets?
Yes, e.g. other casino games such as Roulette or Baccarat.
❓ How can I improve my blackjack skills?
Learn Strategy tables, manage your Bankroll and keep your emotions under control. There are many Books and online resources for improvement.
Conclusion: Should you take the insurance? 🏁
In most cases, the answer is no. Insurance is not a worthwhile bet for most players. It is expensive and brings no long-term benefits. Stick to the basic strategy and improve your game without relying on side bets such as insurance.
Further topics to delve into 📚
- Basic Black Jack Strategies
- How to count cards
- Progressive betting systems in blackjack
- How to use the House edge in blackjack minimized
- Differences between online and offline blackjack
Blackjack insurance can seem tempting, but with the right information and strategies, you can make smarter decisions and improve your game. Happy playing and good luck on Table! 🃏✨
