Insurance Baccarat — Bonus Features
Insurance side bets: hedge math explained. When insurance is worth the extra edge, and when you're just paying a premium for comfort.
All Features
Insurance Bet
TriggerAfter initial 2 cards dealt to each side, before 3rd card rule applied.
Banker Bet
TriggerPlace chips before deal.
Player Bet
TriggerPlace chips before deal.
Tie Bet
TriggerSide bet on tie outcome.
Buy Feature Options
| Option | Cost | RTP | Avg Return | Risk |
|---|---|---|---|---|
| No bonus buy | Insurance is optional per hand | 98.94% (Banker), ~95-97% (Insurance) | N/A | Low variance with insurance |
Trigger Probabilities
Base Game
Banker wins45.86%
Player wins44.62%
Tie (push on main bets)9.52%
Insurance pays (when losing)~20% of losing hands
Pair bet hits~7.5% per hand
Win Milestones
Win any main bet~45-46% per hand
5 Banker wins in a row~3.7%
10 Banker wins in a row~0.03%
Insurance 30:1 payout~1-2% of insured hands
Max insurance payout (30:1)~1 in 100 (specific insurance payout)