Baccarat Ins
Casinos in Asia offer insurance bets in baccarat after four or five cards have been dealt. These are generally made to protect a stronger hand against losing, or in the case of a 9, a tie.
Game rules:
- Please refer to Baccarat for game rules.
- All players shall play against the House. Players may choose to wager on any one or more of the following:
- Player
- Banker
- Tie
- Player Pair
- Banker Pair
- After the initial 4 cards are dealt, the Player may decide to bet on “Baccarat Insurance”, as the situation arises, in accordance with the Baccarat Insurance Pay Table, provided always that:
- Baccarat Insurance for the Player’s hand ("Player Insurance Bet") is applicable to two (2) or three (3) cards situations which are subject to 3rd card rules. Baccarat Insurance for the Banker’s hand ("Banker Insurance Bet") is only applicable to a two (2) cards situation.
- The total insurance payout on the initial and any subsequent insurance wager may not exceed the original bet placed on the Player or the Banker.
Baccarat Insurance Pay Table
| After Four Cards Exposed | Banker Insurance Bets | |
|---|---|---|
| Banker Points Is: | Player Points Is: | Odds (When Banker’s Hand) |
| 5 | 0 - 4 | 2 To 1 |
| 6 | 0 - 5 | 3 To 1 |
| 7 | 0 - 5 | 4 To 1 |
| After Four Cards Exposed | Player Insurance Bets | |
|---|---|---|
| Player Points Is: | Banker Points Is: | Odds (When Player’s Hand Loses) |
| 6 | 0 - 5 | 3 To 1 |
| 7 | 0 - 5 | 4 To 1 |
| After Player’s 3rd Card: | Player Insurance Bets | |
|---|---|---|
| Player Points Is: | Banker Points Is: | Odds (When Player’s Hand Loses) |
| 0 - 3 | 4 | 1.5 |
| 0 - 4 | 5 | 2 To 1 |
| 0 - 5 | 6 | 3 To 1 |
| 0 - 6 | 7 | 4 To 1 |
| 0 - 6 | 8 | 8 To 1 |
| 0 - 6 | 9* | 9 To 1* |
| * Where A Player Insurance Bet Is Placed On The Player At 9 Points (After The 3rd Card Rule), and The Banker Subsequently Obtains 9 Points (After The 3rd Card Rule), Resulting In A Tie. | ||