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If the dealer shows an ace, an "insurance" bet is allowed. Insurance is a side bet that the dealer has a blackjack. The dealer asks for insurance bets before the first player plays. Insurance bets of up to half the player's current bet are placed on the "insurance bar" above the player's cards. If the dealer has a blackjack, insurance pays 2 to 1.
If the dealer has blackjack, the hand is a push, but the player receives twice the value of the insurance, which is the same as the original bet. If the dealer does not have blackjack, the player wins 1.5 times the value of the original bet but loses the value of the insurance and still ends up with the value of the original bet.
Blackjack (a natural total of 21 on the first two cards) always wins, and is always paid 3:2 regardless of whether or not the dealer has a blackjack. Insurance is paid 2:1, just like in blackjack, despite the fact that there are four fewer ten-valued cards per deck. As 3 cards in 12 are worth ten, the chance of the dealer getting a blackjack ...
However if the dealer does not have a blackjack, the player will be paid 3 to 2 on the original bet and lose the even money bet. Mathematically, requesting "even money" on a natural on a table that pays 3:2 for a natural is the same as an insurance bet since the 50% bonus is being used to buy the insurance. [3]
Although the modern game of blackjack has no fixed rules, it has clearly developed in sophistication from twenty-one. In addition to different terminology and payment systems, there are other nuances, such as splitting pairs, insurance and doubling down which add to the skill of the game. [19] [20]
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