Blackjack Insurance: When and How to Use It?

News | 24/06/2026

Blackjack insurance is a strategic option that can help limit losses against a strong dealer hand. But when is it really worth using? Here’s everything you need to know to make the right decision.

What Is Blackjack Insurance For?

Blackjack insurance is an interesting option offered in certain specific situations. When properly understood, it can fit into a game strategy suited to different types of players. Here’s everything you need to know to decide when and how to use it.

What is Blackjack Insurance?

Insurance is an option offered to players when the dealer shows an Ace face‑up. It lets you bet that the dealer will get a blackjack — that is, a total of 21 with their first two cards.

The insurance bet is equal to half of your main bet. If the dealer does get a blackjack, you lose your main bet, but your insurance pays 2 to 1, allowing you to balance the hand. If the dealer does not get a blackjack, the insurance is simply lost, and the game proceeds as usual.

How Does Insurance Work?

Here’s an example:

You bet CHF 20. The dealer shows an Ace. You have the option to place an insurance bet of CHF 10.
If the dealer gets a blackjack: you lose the CHF 20 from your main bet, but win CHF 20 from the insurance.
If the dealer does not get blackjack: you lose the CHF 10 insurance bet, and continue playing your hand normally.

It’s a way to cover a specific contingency and anticipate a reversal of fortune.

When to Consider Taking Insurance?

Insurance can be part of a cautious risk management approach, especially if you want to minimize losses when the dealer has a potentially strong hand. Some players use it as protection when they have a weak hand or want to preserve their bankroll.

It can also be considered in more advanced gameplay scenarios, especially by experienced players with a refined read on the flow of the game.

Each player adopts a different approach depending on their playing style, risk tolerance, and overall strategy. Insurance thus can serve different logics: caution, hedge, or tactical anticipation.

Insurance vs “Even Money”?

If you have blackjack and the dealer shows an Ace, the “even money” option lets you immediately collect a payout equal to your bet, without waiting to see the dealer’s hidden card.

Note: On our blackjack tables, if both the player and dealer have blackjack, the player simply gets their stake back (a push).

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