Insurance Baccarat
Baccarat with insurance: a 10% commission on the bet returns your money if you lose after the third card.
Insurance Baccarat Statistics (updated: 13 January 2026)
| RTP | 98.1% |
| Max Win | 159x |
| Volatility | Low |
| Players Today | 90,370 |
| Biggest Win | $25,248 |
| Win Frequency | 53% |
Insurance Baccarat: Insurance for Your Bet
Insurance Baccarat is classic baccarat with an insurance function. If your hand was winning after two cards but lost after the third – the bet is returned. A 10% commission from the main bet is charged for this protection.
Rules and Strategy
The goal is the same: guess which hand is closer to 9. Side bets available: Perfect Pair, Bonus, Super 6. The player can switch between Commission and No Commission modes with one click. Insurance works automatically – no decision needed.
Advantages
Ideal for conservative players who dislike risk on unexpected third cards. Especially useful when betting on Player, where the probability of losing after the third card is higher.
Technical Parameters of Insurance Baccarat
| Parameter | Value |
|---|---|
| Game Type | Live Baccarat |
| Insurance Commission | 10% |
| Min. Bet | 1 EUR |
| Max. Bet | 10,000 EUR |
| Side Bets | Perfect Pair, Bonus, Super 6 |
| Modes | Commission / No Commission |
| Deck | 8 decks |
| RTP (including insurance) | ~98.50% |
| Feature | Automatic refund if losing after 3rd card |
| Studio | Elite, gold theme |
Frequently Asked Questions (FAQ)
When does insurance trigger?
If your hand was leading after two cards but lost after the third (for Banker or Player).
Is commission paid if insurance doesn’t trigger?
Yes, 10% is always taken – it’s the fee for the protection possibility.
Can insurance be turned off?
No, it’s built into the game, but you can play regular Baccarat without it.
