Table-game strategy

Blackjack insurance calculator

Known remaining tens

Win probability

32.6531 %

Expected net result

−0.1020 ₽

House edge

2.0408 %

Net profit on a win

10.00 ₽

How it works

With an ace showing, insurance wins 2:1 if the hidden card is ten-valued. It breaks even when more than one third of the unseen cards have value ten.

With 16 ten-value cards among 49 unseen cards, the insurance edge is about 2.041% against the player.

Dealer ace is visible; unseen count includes the hole card. Exclude every known card. Insurance stake is separate from the main hand; no surrender or even-money conversion is modeled.

P = unseen tens / unseen cards; insurance EV = insurance stake × (3P − 1)

Reviewed August 28, 2026PlusEV Lab editorial teamCalculation methodology

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How the Blackjack insurance calculator works

With an ace showing, insurance wins 2:1 if the hidden card is ten-valued. It breaks even when more than one third of the unseen cards have value ten.