Insurance in Online Blackjack
Insurance is offered to a player when the dealers upcard is an ace. The value of the insurance bet is half your original wager, so if you originally bet $10, dealer shows an ace, the insurance bet would be $5. Insurance is a kind of side bet, you are betting the dealer does have blackjack at odds of 2:1. If you do buy the insurance and the dealer does have blackjack (2 cards total 21) you win your "insurance" bet.. Your $5 returns $15, however you lose your original $10 bet so the net result is you break even, whereas you would have lost $10 had you not taken the insurance. If the dealer does not have blackjack you lose your insurance bet, in this case $5, and you continue on with your hand.
A good rule to remember is never take insurance, especially when playing online. There may be instances in a real casino where card counting practises are used and a situation may arise when the insurance bet is worthwhile. Card counting can't be employed when playing online so its an easy rule, never take.
When the dealer does have an ace he has a very good chance of getting a "pat hand", which is a hand he stands on, 17, 18, 19, 20. So the dealer doesn't have blackjack, you lose your insurance (the $5), and are more likely to lose your intial bet ($10)
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