Why insure money at Blackjack is known as Even-Money

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Home News Why insure money at Blackjack is known as Even-Money

You often see it passing by: taking insurance on the bet at Blackjack. However, everyone who is familiar with the game knows that it really makes no sense to take it with your strategy. It provides a bad bet.

When offering a insurance the argument is used that you are then assured of a profit. However, this can be seen as a misconception. After all, it is never a good idea to take an insurance or Even-Money with Blackjack. Below it is explained why.

The operation of Even-Money

Even-Money works in principle if you have received a bait and 10. You then have two cards that are 21 together. This is also called the blackjack. With most games you get 3 to 2 back if you have this blackjack in your hands.

In most cases, however, there is an extra problem to take into account. The dealer can also have 21 in his hands. This is called a push (draw). If this blackjack has a bait as an open card, you can choose to install an insurance insert. In this case you have to deal with Even-Money. In this case your money is given and the cards will be taken before the dealer looks at his own cards.

It can be a good idea. After all, if you take your money and the dealer also appears to have blackjack, then with a bet of 100 you have at least 100 profit .. If you refuse money, however, you can make a 150 euro profit for the use of 100 euros. This also sounds like a good deal. The conservative player goes for the first deal, because you have a profit anyway. However, it is not just about the 100 percent chance of gambling a profit. You also have to look at the longer term.

You must therefore see how often a dealer will win or lose. You can also look at your own series for the best possible image. Only then will you understand whether it makes sense to take out insurance.

The consequences of insurance

To understand how you make certain decisions and what consequences are involved, you have to do it through a simple approach. There are two choices for this. You can play Money and win 100 euros or you can refuse the money, win 150 euros or get a push. If you push, you don't lose any money. In this case, refusing is a better option. You will get your original effort back completely.

The amount of blackjacks at the dealer

Dealers don't always have a blackjack. It varies based on the number of card games. In addition, it can be arrested that only 30 percent of the time falls a blackjack at the dealer. 70 percent of the time you can achieve the profit. The win is always 3 against 2.

For example, if you take this for 100 bets, you can look at two different situations. The first player plays Even-Money. With this he wins 100 euros on all 100 hands that are played. The final amount is then 10,000 euros. The player who does not do this wins 150 euros on 70 hands. Ultimately, the total profit comes to 10,500 euros. Refusing Even-Money therefore yields more in the longer term.

The difference between insurance and Even-Money

Insurance can be seen as a side bet. It is a bet where it is assumed that the dealer has a 10 as a closed card. The bet can only be placed when there is a bait on the table. If a blackjack comes out, you will get 2 against 1 paid. This gives you 100 euros back from the dealer.

You don't have to have a blackjack for insurance. You can also close this with all other options compared to the AAS. If your bet is not a blackjack, you will lose your original bet. The insurance still pays and will make an equal game. Even-Money is a kind of insurance. You can really do this only when you have blackjack. You do lose your chance of a larger amount. An extra bet no longer has to be placed.

Even-Money is the insurance that you take if you have a blackjack in your hands, while insurance is always possible when the dealer has an ace on the table as the first card.

The exceptions to the rule

You have to pay attention to what the payouts will be for the blackjack in your casino. Not all casinos offer a 3 against 2 payout. It can also be 6 against 5. However, you are dealing with a higher house advantage. The advantage is almost 1.4 percent higher than if you started working at another table.

If you decide to get started at this Blackjackt table, then Even-Money is suddenly a good choice. You still have to deal with the 30 percent chance that the dealer has a blackjack. However, you look at a profit of 120 euros. You can win a total of 8400 euros in around 70 of the 100 games that you play. At Even-Money this will still be 10,000 euros.

The biggest problem with this, however, remains the house advantage. Because of this you can never make your losses good. If you play with a perfect basic strategy, you can have a house advantage of around 0.4 percent.


Of Basic strategy of Blackjack Could be arrested with every decision you make. However, there is no correct basic strategy to be named, because different rules can apply to the game.

This applies the differences between Even-Money and taking insurance. You can obtain your profit in a different way and see what works best for you in combination with the applicable rules. So do you ever accept money from the dealer? Or have your thoughts changed after reading this post?