Insurance Baccarat Glossary
37 terms covering Insurance Baccarat's Insurance side bets (3 tiers up to 30:1), optional Squeeze, standard Punto Banco rules, Pair side bets, and Roads.
Autoplay
Insurance Baccarat is a live dealer game — pacing set by dealer + optional squeeze. ~40-50 hands per hour. No autoplay in slot sense, but Favourite Bets templates let you redeploy chip configurations between hands.
Banker Bet
Insurance Baccarat's mathematically optimal main wager. Pays 0.95:1 (after 5% commission). Banker wins 45.86% of hands. House edge: 1.06% — lowest of any major casino game.
Base Game
Insurance Baccarat runs standard Punto Banco — Player vs Banker, Third Card Rule automatic. The Insurance side bet system overlays this base; you can play pure baccarat and ignore Insurance entirely.
Big Road / Bead Plate / Derived Roads
Insurance Baccarat's pattern-tracking scorecard suite. Big Road, Big Eye Boy, Small Road, Cockroach Pig — all update live. No predictive value (each hand is shoe-independent).
Bonus Buy
Insurance Baccarat is a live table game — no Bonus Buy mechanic. Insurance side bets are the closest equivalent — extra wagers placed alongside main bets that provide variance protection rather than upside.
Cascading Reels
Insurance Baccarat doesn't use cascades — it's a card game, not a slot.
Cluster Pays
Insurance Baccarat doesn't use cluster pays — it's Insurance Baccarat.
Commission
Insurance Baccarat's 5% fee on winning Banker bets. $10 winning Banker pays $9.50 profit.
Dead Hand
Insurance Baccarat's "no-pay" outcome on main bet. Insurance side bets are designed specifically to provide payout on dead hands when the loss margin matches the Insurance trigger (lose-by-1 → 30:1, lose-by-2 → ~10:1, lose-by-3+ → ~3:1).
Favourite Bets
Insurance Baccarat's saved-bet feature. Store your template (Banker + Insurance side) and reload between hands.
Five Bet
Insurance Baccarat doesn't use the Five Bet — that's an American Roulette term.
Free Spins
Insurance Baccarat doesn't use Free Spins — it's a card game.
Hit Frequency
Insurance Baccarat's hand distribution. Banker 45.86%, Player 44.62%, Tie 9.52%. Insurance hit rates depend on tier — lose-by-1 ~3-5%, lose-by-2 ~8-12%, lose-by-3+ ~15-20%.
House Edge
Insurance Baccarat's mathematical advantage to the casino. Banker: 1.06%. Player: 1.24%. Tie: 14.36%. Insurance side bets: ~3-5% (lower than typical baccarat side bets — Insurance is designed as a hedging tool, not a high-edge gimmick).
Insurance Bet
Insurance Baccarat's defining feature. Side bet placed alongside main wager that triggers payout when your main bet LOSES by a specific margin. Lose by 1 point = highest insurance payout (up to 30:1). Lose by 2 = moderate (~10:1). Lose by 3+ = lower (~3:1). Independent of your main bet — you can win main AND collect insurance, or lose both.
Insurance Side Bet RTP
Insurance Baccarat's Insurance bets return ~95-97% RTP. Slightly lower than the 98.76-98.94% main bet RTP. The 2-4% RTP gap is the price of variance reduction. Whether worth it depends on your bankroll management philosophy.
Live Dealer
Insurance Baccarat's entire format. Real human dealer in Evolution's studios. Optional Squeeze ceremony available on high-stake hands. Studio runs 24/7.
Max Win
Insurance Baccarat's top single-hand payout is 30:1 on the rarest Insurance trigger (lose-by-1 specific card combinations). Main bet max wins come from Banker at 0.95:1.
Megaways
Insurance Baccarat doesn't use Megaways — it's a card game.
Multiplier
Insurance Baccarat doesn't use multipliers in the slot sense. Payout ratios (1:1, 0.95:1, 8:1, 11:1, 30:1) act as fixed multipliers.
Natural
Insurance Baccarat's automatic-win condition. Two-card total of 8 or 9. Ends hand immediately — no Third Card.
Outside Bets
Insurance Baccarat's Tie bet is the closest long-shot wager. 9.52% hit rate, 8:1 payout, 14.36% house edge.
Player Bet
Insurance Baccarat's second-best main wager. Pays 1:1 (no commission). Player wins 44.62%. House edge 1.24%.
Player Pair / Banker Pair
Insurance Baccarat's pair side bets. Each pays 11:1 when the named hand receives matching ranks on the first two cards. Each hits ~7.47% of hands.
RNG
Insurance Baccarat is a live dealer game — outcomes determined by physical cards from a real shoe.
Roadmaps
Insurance Baccarat's pattern-tracking suite. Big Road, Big Eye Boy, Small Road, Cockroach Road. All update live. No predictive value.
RTP
Insurance Baccarat returns 98.94% on Banker, 98.76% on Player, 85.64% on Tie. Insurance side bets: ~95-97%. Pair side bets: ~89.64%.
Scatter
Insurance Baccarat doesn't use scatters — it's a card game. Insurance bets serve a similar "extra wager alongside main bet" role but pay out on loss margins rather than symbol counts.
Session Variance
Insurance Baccarat's Insurance bets reduce session variance. Pure Banker betting produces standard low variance; adding Insurance smooths the dead-hand losses by paying out on close losses. Trade-off: ~2-4% RTP cost for variance reduction.
Side Bets
Insurance Baccarat's optional wagers placed alongside main bets. Insurance (3 tiers: lose-by-1, lose-by-2, lose-by-3+), Player Pair (11:1), Banker Pair (11:1). Insurance is the headline; pair bets are standard baccarat side bets.
Squeeze Option
Insurance Baccarat's optional ceremony — available on high-stake hands. Dealer slowly peels card corners for dramatic 5-second reveals. Add 10-15 seconds per hand. Skip the squeeze for faster play, opt in for theatrical reveals.
Sticky Wild
Insurance Baccarat doesn't use Sticky Wilds — it's a card game.
Third Card Rule
Insurance Baccarat's automatic draw mechanic. Player draws if total 0-5, stands 6-7. Banker's draw depends on Banker total AND Player's third card per published rule table.
Tie Bet
Insurance Baccarat's long-shot wager. Pays 8:1 when totals tie. Hit rate 9.52%. House edge 14.36%. Avoid as primary wager.
Volatility
Insurance Baccarat is rated Low (1/5) — lowest of any major casino game when Banker + Insurance combined. Insurance bets specifically reduce session variance by hedging dead-hand losses.
Ways to Win
Insurance Baccarat doesn't use ways-to-win.
Wild
Insurance Baccarat doesn't use wild symbols — it's a card game.
See These Terms in Action
Try Insurance Baccarat at a live dealer table — hedge losing hands with Insurance bets (up to 30:1 on lose-by-1), play optional Squeeze on high-stake wagers, and track patterns across the Roads.
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