baccarat inssurance

Baccarat Insurance means a bet being offered to a player at fixed odds in accordance with the Baccarat Insurance Pay Table before either the Player or Banker (or both) hand(s) goes into the third card as per the Baccarat Table of Play.

How to Play:
  • Commencement of play shall begin when the Dealer announces “Place your bets, please.”
  • Closing of bets shall take effect when the Dealer announces “No more bets.”
  • 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
    Any Player may bet on the “Player Pair” and/or “Banker Pair” and/or “Tie” without having to place a bet on “Player” or “Banker”.
  • Four initial cards shall be dealt from the shoe. The first and third cards will be the Player’s hand and the second and fourth cards will be the Banker’s hand. These four cards shall be used to determine wagers (if any) placed for either a “Player Pair” or “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 payout on the initial and any subsequent insurance wager may not exceed the original bet placed on the Player or the Banker.
  • Subsequent cards to be drawn by either “Player” or “Banker” shall be subject to the 3rd card rules in accordance with the Baccarat Table of Play, provided always that if "Player" does not draw a third card, "Banker" shall stand on 6 and draw on 0, 1, 2, 3, 4 or 5.
  • Baccarat Table of Play
Player’s first two cards total points are Player’s hand
0 - 1 - 2 - 3 - 4 - 5 Player draws a card
6 - 7 Player stands
8 - 9 Natural – Both Player and Banker cannot draw
When Banker’s first two cards total points are Banker draws when Player’s 3rd card is Banker does not draw when Player’s 3rd card is
3 0 - 1 - 2 - 3 - 4 - 5 - 6 - 7 - 9 8
4 2 - 3 - 4 - 5 - 6 - 7 0 - 1 - 8 - 9
5 4 - 5 - 6 - 7 0 - 1 - 2 - 3 - 8 - 9
6 6 - 7 0 - 1 - 2 - 3 - 4 -5 - 8 - 9
7 Banker stands
8 - 9 Natural – Both Player and Banker cannot draw
0 - 1 - 2 Banker draws a card
  • In this game, the court cards King, Queen, Jack and Ten are valued as zero. An Ace is valued as one and all other cards have their numerical face values. The point count of a hand shall be a single digit number from 0 to 9 which is determined by totaling the value of the cards in hand and as required, subtracting the tens. The units shall constitute the point count of the hand. Nine (9) is the highest count, eight (8) is the second highest and so on in descending order. The hand (Player or Banker) with the higher point count is the winner.
  • However, if the Player and the Banker hands have the same point count, it denotes a Tie game. The original bets and insurance bets placed on the “Player” and “Banker” may be withdrawn by the Player.
Baccarat Insurance Pay Table
After Four Cards Exposed Banker Insurance Bets
Banker Points is: Player Points is: Odds (When Banker’s hand loses)
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)
5 4 2 to 1
6 0 - 5 3 to 1
7 0 - 5 4 to 1
After Player’s 3rd Card: Banker Insurance Bets
Player Points is: Banker Points is: Odds (When Banker’s hand loses)
1 1 6 to 1
1 2 - 6 7 to 1
2 3 - 6 4 to 1
3 4 1.5 to 1
After Player’s 3rd Card: Player Insurance Bets
Banker Points is: Player Points is: Odds (When Player’s hand loses)
0 - 4 5 2 to 1
0 - 5 6 3 to 1
0 - 6 7 4 to 1
0 - 6 8 7 to 1
0 - 6 9* 8 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.
Irregularities:
  • In the event that any of the following situations occur, the game shall be considered void:
    • Any foreign card that does not form part of the set of cards is found in the progress of a game. The outcomes of all previous games will stand. The cards in use shall be removed from the table and new cards shall be put into play.
    • The Player hand or Banker hand is dealt an incorrect number of cards during the game, provided that this is noticed before the commencement of play of the next game and the cards cannot be reconstructed.
    • There are insufficient cards in the shoe to complete a game when the cut card is drawn.
  • After the Dealer announces “No more bets”, no wager may be placed, increased or withdrawn and the Dealer will refuse all such wagers.