Baccarat Insurance is a side bet when you bet on the Banker. If the Banker’s first two cards total 6 or 7, you can place an insurance bet. If the Banker wins, it pays 1:1. If not, you lose the insurance bet.
How to Play Baccarat Insurance?
Baccarat Insurance is a side bet placed on either the Banker or the Player. When their first two cards meet certain conditions, you can place an insurance bet.
If your chosen side wins, the insurance pays 1:1. If it loses, the insurance bet is lost.
Baccarat Insurance Betting Conditions
- Banker Insurance: You can place a Banker Insurance bet when the Banker’s first two cards total 6 or 7 points.
- Player Insurance: You can place a Player Insurance bet when the Player’s first two cards total 8 or 9 points.
Baccarat Insurance Payouts
Insurance payout rates depend on the Banker’s or Player’s hand when the insurance is triggered. See the table below for details.
Banker Insurance Payouts
| Before/After Drawing | Player’s Points | Banker’s Points | Insurance Payout |
|---|---|---|---|
| Before Player Draws | 0-4 | 5 | 2 |
| 0-5 | 6 | 3 | |
| 0-5 | 7 | 4 | |
| After Player Draws | 0 | 1-6 | 9 |
| 1 | 1 | 7 | |
| 1 | 2-6 | 8 | |
| 2 | 3-6 | 4 | |
| 3 | 4 | 2 | |
Player Insurance Payouts
| Before/After Drawing | Player’s Points | Banker’s Points | Insurance Payout |
|---|---|---|---|
| Before Player Draws | 5 | 4 | 2 |
| 6 | 0-5 | 3 | |
| 7 | 0-5 | 4 | |
| After Player Draws | 5 | 0-4 | 2 |
| 6 | 0-5 | 3 | |
| 7 | 0-6 | 4 | |
| 8 | 0-6 | 8 | |
| 9 | 0-6 | 9 | |
Special Cases in Baccarat Insurance
- Banker draws 6: If the Banker’s first two cards are 6 or 7 and draws a 6, the insurance bet loses no matter the result.
- Player draws 9: If the Player’s first two cards are 8 or 9 and draws a 9, the insurance bet loses regardless of the outcome.
How to Place Baccarat Insurance Bets?
If your side is ahead, you can place an insurance bet to protect your main wager. The insurance amount depends on your original bet. Check the casino’s rules for exact details.
In most cases, the insurance bet should be a portion of your original wager, not exceeding the total amount. Minimum and maximum limits usually apply.
Baccarat Insurance Rules
Insurance in baccarat is a side bet to reduce losses in certain situations. Here are the basics:
- Banker Insurance: Bet wins if the Banker loses after showing a strong hand (7, 8, or 9).
- Player Insurance: Bet wins if the Player loses after having the lead.
- Tie Insurance: Available in some variants. Bet wins if the round ends in a tie.
When Can You Buy Baccarat Insurance?
1. Banker Insurance
- Condition: The Banker’s first two cards total more than the Player’s (e.g., Banker has 4, 6, or 7 vs. Player’s 0–5), and the Player needs to draw.
- When to Buy: To hedge against the risk of the Player winning after drawing.
- Result: If the Player wins, the Banker insurance bet wins. If the Banker wins, the insurance bet loses. If it’s a tie, the bet pushes.
2. Player Insurance
- Condition: The Player ends up with more points than the Banker, and the Banker must draw.
- When to Buy: To protect against the Banker overtaking after drawing.
- Result: Wins if Banker wins. Loses if Player wins. Pushes on ties under 8. Wins if Player gets 9 and Banker draws to a tie.
3. Type 2 Banker Insurance
- Condition: The Player’s final total is lower than the Banker’s, and the Banker still has to draw.
- When to Buy: Banker bettors can insure against a reversal.
- Result: Wins if Player wins. Loses if Banker wins. Pushes on ties above 0. Wins if both end with 0 after drawing.
