Baccarat Insurance Rules & Betting System Explained
Baccarat insurance rules for the player hand (“Player Insurance Bet”) are applicable to two (2) or three (3) card situations that are subject to 3rd card rules.
Baccarat Insurance Rules Game Introduction
Introduction to Baccarat Insurance
A new idea of baccarat insurance has been very much in the buzz, especially in the South Asian casinos where insurance bets are offered after dealing 4 or five cards in the baccarat game. The purpose of these insurance bets is to safeguard a stronger hand against losing, or, in the case of a 9, or a tie. If you want to know baccarat insurance rules and how to play, just keep on reading the article!
In baccarat, you can place insurance bets on either the Banker hand or the Player hand. These bets have specific outcomes based on the game's results:
General Rule: Insurance on the Banker hand wins if the Player hand wins, and vice versa.
Exceptions:
- 9-Point Hand Insurance:
- Wins in the event of a tie.
- Loses in any other outcome.
- 0-0 Score Insurance After Five Cards:
- Insurance on the Banker hand wins if the game ends in a tie.
- Loses in any other outcome.
Types of Baccarat Insurance
In baccarat, there are different types of insurance bets to help you win even if your main bet loses.
- Banker Insurance, you bet on the banker's hand to win, giving you a backup plan if your first bet fails.
- Player insurance works the same way, but for the player's hand.
- Tie Insurance lets you bet on a tie, which is riskier but pays more.
- Perfect Pair Insurance bets on the first two cards being the same suit and rank, offering a high payout because it's rare. Understanding these bets is an effective baccarat strategy and it can make the game more fun and help you make smarter choices.
Natural Insurance
| Points | Win Probability | Draw Probability | Loss Probability | Pays | Expected Value |
|---|---|---|---|---|---|
| 9 | 0.905 | 0.094 | 0.000 | 9 | -0.054 |
| 8 | 0.810 | 0.094 | 0.094 | 7 | -0.146 |
3-Card Player Insurance Against Banker Hand
The following table will give you information about a situation where the banker has not yet flipped over the cards while the player has already drawn his third card. Therefore, insurance is applied to the player's hand and wins in the case of a tie with player 9. A banker win occurs with all other player totals.
| Player Points | Player Win Prob. | Tie Prob | Banker Win Prob | Pays | Expected Value |
|---|---|---|---|---|---|
| 9 | 0.92 | 0.076767 | 0.00 | 9 | -0.23 |
| 8 | 0.84 | 0.076693 | 0.07 | 7 | -0.30 |
| 7 | 0.76 | 0.07 | 0.15 | 4 | -0.15 |
| 6 | 0.68 | 0.08 | 0.23 | 3 | 0.0092 |
| 5 | 0.60 | 0.08 | 0.30 | 1.5 | -0.14 |
| 4 | 0.51 | 0.09 | 0.39 | 1 | -0.12 |
Master the Baccarat Insurance Rules
Baccarat is one of the fastest growing casino games in the Philippines. It is not the most famous at the moment, but there are already many online casinos that have baccarat games in their catalogue.
Mastering the baccarat insurance rules is essential to becoming a pro at playing and optimizing your time and money.
Purpose of the Game
A baccarat strategy is; You should always remember to play responsibly and not spend more time or money than is necessary.
Your goal should be to beat your opponent. Baccarat is a gambling game and your goal should be to win as many bets as you can - the more you win, the bigger your profit will be.
Value of the cards
First of all, we must know what value each card has, This is the first point about the baccarat insurance rules:
- The ace is worth 1.
- From 2 to 9, cards are worth the value of their number. For example, 4 is worth 4.
- 10, and face cards are worth 0.
What does “Baccarat” mean exactly?
The meaning of baccarat is 0, which is considered the worst hand to end up with in a baccarat game.
Minimum and maximum bet in baccarat
In the baccarat games section of a casino, there are different live baccarat tables and virtual baccarat games that offer different minimum and maximum bets.
There are mini baccarat tables that offer lower and more affordable minimum bets, and then we have other full baccarat VIP tables with higher minimum and maximum bets.
Depending on your budget and whether you are a less experienced player or a more experienced player, you will find some baccarat insurance rules more interesting than others.
Types of bets in Baccarat Casino Game
Now we are going to see all the types of bets that we can make in an online Baccarat game.
If we combine knowing these types of bets with knowing the rules of baccarat and implementing a sensible baccarat strategy, all of this will help increase our chances of winning at baccarat.
1. Bet on the Player
In baccarat, when you bet on the player, you are betting on yourself versus the banker.
Unlike the banker bet, in this case, if we win, the casino will not take any commission and the payment will be entirely for us.
By placing the player bet, the winnings will occur 44.62% of the time.
2. Bet on the Banker
On the other hand, if we decide to bet on the Banker, then the house edge is 1.06%, which is pretty low, right?
The probability of winning is 50.68%, and we will make a profit around 45.86% of the time.
3. Pair Bet
The Pairs bet is a side bet in baccarat. In addition to the main bets, today we are also going to take into account the side bets to become complete experts in all the baccarat insurance rules.
In this case, we are betting that the first two cards dealt to the player or the banker form a pair. If so, we will have won.
- Player's Partner: The player's two cards are the same and form a pair.
- Banking Couple: The bank's two cards are the same and form a pair.
- Perfect Match: We win if any of our two cards form a pair.
4. Tie
This bet is generally very unlikely and therefore the payouts are very good. It consists of betting that the Player and the Banker tie on points.
5. Big Hand
The Baccarat Big Hand Bet is a side bet that will win if the card value of the number of cards dealt equals 4.
6. Small Hand
With this Small Hand Side Bet you will win if the value of the cards that have come out is 5 or 6.
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Baccarat Strategy
