23. Live Baccarat Insurance
Player and Banker acquire 2 cards each, and neighboring to 9 wins. If the initial 2 cards treated entirety 8 or 9, that is acknowledged as a "Natural". If any of the Player or Banker has “Natural” hand with Player and Banker on 2 cards each, the hand is resulted immediately without any supplementary cards
Supplementary cards will be dealt and these rules are called the “DRAWING RULES”.
The decision to draw a third card for the PLAYER’S hand is made automatically according to standard Casino rules as provided below in Table 1
Table 1 - PLAYER’S HAND
| Total Points of First Two Cards | Draw or Stand |
| 0,1,2,3,4 and 5 | Draw a third card unless the BANKER has a NATURAL |
| 6 or 7 | Stand |
| 8 or 9 | NATURAL |
If the Player stands, then the Banker hits on a total of 5 or less.
If the third card is drawn for the Player’s hand, the decision to draw a third card for the Banker’s hand is made automatically according to standard Casino rules as shown in Table 2 below.
Table 2 – BANKER’S HAND
| Total Points of First Two Cards | Draw when the Player’s Third Card is | Stand when the Player’s Third Card is |
| 0,1,2 | 0,1,2,3,4,5,6,7,8,9 | |
| 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 | Stand | |
| 8,9 | NATURAL |
| Payout | |
| Commission Baccarat | |
| ‘Banker’ | 0.95:1 |
| No Commission Baccarat | |
| ‘Banker’ wins on point total 6 | 0.5:1 |
| ‘Banker’ wins on any other points | 1:1 |
| ‘Player’ | 1:1 |
| ‘Tie’ | 8:1 |
| ‘Banker Pair’ | 11:1 |
| ‘Player Pair’ | 11:1 |
| ‘Big’ | 0.5:1 |
| ‘Small’ | 1.5:1 |
| ‘Player Natural 8’ | 8:1 |
| ‘Player Natural 9’ | 8:1 |
| ‘Banker Natural 8’ | 8:1 |
| ‘Banker Natural 9’ | 8:1 |
| ‘Super 6+ with two cards totalling of 6’ | 12:1 |
| ‘Super 6+ with three cards totalling of 6’ | 18:1 |
Player/Banker
Wagers on ‘Player’ and ‘Banker’ will be pushed and returned when both the ‘Player’ hand and ‘Banker’ hand have the same point total at the end of a round of play.
Insurance
The spirit of ‘Player Insurance’ and ‘Banker Insurance” bets is to buy against the original ‘Player’ and ‘Banker’ bets, so that to allow risk adjustment in the middle of a game.
‘Player Insurance’ bets are offered when ‘Player’ bet has been made. ‘Banker Insurance’ bets are offered when ‘Banker’ bet has been made. (In the event if both ‘Player’ and ‘Banker’ bets are made, no insurance will be offered).
‘Insurance’ bets are offered at fixed odds and under certain Player/Banker points combination based on below Pay Table. It is offered at 2 phases of the game
- after 4 cards dealt (Player or Banker or Both require 3rd card)
- after Player 3rd card dealt and Banker requires 3rd card
The total payout of the Insurance Bet(s) shall not exceed the original bet placed on ‘Player’ or the ‘Banker’.
| Total Points of First Two Cards | |||||
| After 4 cards dealt | Player Insurance Bets | ||||
| Player Points | Banker Points | Odds (When Player lose) | |||
| 5 | 4 | 1.5:1 | |||
| 6 | 0-5 | 2.5:1 | |||
| 7 | 0-5 | 4:1 | |||
| After Player’s 3rd card dealt | Player Insurance Bets | ||||
| Player Points | Banker Points | Odds (When Player lose) | |||
| 5 | 0-4 | 1.5:1 | |||
| 6 | 0-5 | 2.5:1 | |||
| 7 | 0-6 | 4:1 | |||
| 8 | 0-6 | 10:1 | |||
| 9* | 0-6 | 10:1 | |||
| *Where a Player Insurance Bet is placed on the Player at 9 points (after Player’s 3rd card), and the Banker subsequently obtains 9 points (after the 3rd card rule), resulting in a Tie. | |||||
| After 4 cards dealt | Banker Insurance Bets | ||||
| Banker Points | Player Points | Odds (When Banker lose) | |||
| 4 | 0-3 | 1.5:1 | |||
| 5 | 0-4 | 1.5:1 | |||
| 6 | 0-5 | 2.5:1 | |||
| 7 | 0-5 | 4:1 | |||
| After Player’s 3rd card dealt | Banker Insurance Bets | ||||
| Banker Points | Player Points | Odds (When Banker lose) | |||
| 1-6 | 0* | 10:1 | |||
| 1 | 1 | 6:1 | |||
| 2-6 | 1 | 10:1 | |||
| 3-6 | 2 | 4:1 | |||
| 4 | 3 | 2.5:1 | |||
| *Where a Banker Insurance Bet is placed after the Player’s 3rd card results in Player Hand having 0 point and where the Banker, having Point Total of 1 to 6 after the first two cards, subsequently draws to 0 point (after 3rd card rule) resulting in a Tie. | |||||
In a Tie, all Insurance Bets shall be returned with the exception of a scenario where
- Player Insurance Bet is placed on a Player Hand of 9 points and the Banker also draws to 9 points, in which the Player Insurance Bet shall be paid in accordance with the Baccarat Insurance Pay Table.
- Banker Insurance Bet is placed on a Player Hand of 0 point and the Banker also draws to 0 point, in which the Banker Insurance Bet shall be paid in accordance with the Baccarat Insurance Pay Table.
Tie
Wagers on ‘Tie’ wins when both the ‘Player’ hand and ‘Banker’ hand have the same point total at the end of a round of play.
Big/Small
Small - If the game result is decided on 4 cards (no third card required for either Player or Banker), 1.5:1
Big - If the game result is decided on 5 or 6 cards (third card required for either Player or Banker), 0.5:1
Big and Small bets are offered on the first 30 hands of every shoe. (restriction not applicable on Virtual tables)
Player/Banker Pairs
A side bet that may be placed on the possibility that the first 2 cards dealt to the 'Player' or 'Banker' hands are a pair, 11:1
‘Player Pairs' and 'Banker Pairs' bets are offered on the first 60 hands of every shoe. (restriction not applicable on Virtual tables)
Player/Banker Natural 8/9
A side bet that may be placed on the possibility that the first 2 cards dealt to the 'Player' or 'Banker' hands are treated entirety as 8 or 9, 8:1
Under these conditions, wagers on these Player/Banker Natural 8/9 are consider lose, even though Player or Banker has ‘Natural 8’ or ‘Natural 9’
- ‘Banker Natural 8’ wagers, if the first two cards of the ‘Banker’ hand have a point value of 8 and the hand is a losing hand (i.e. ‘Player’ hand is a ‘Natural 9’).
- ‘Player Natural 8’ wagers win if the first two cards of the ‘Player’ hand have a point value of 8 and the hand is a losing hand (i.e. ‘Banker’ hand is a ‘Natural 9’).
- All ‘Natural 8’ and ‘Natural 9’ wagers lose in the event of a ‘Tie’ hand.
- ‘Player/Banker Natural 8/9’ bets are offered on the first 60 hands of every shoe. (restriction not applicable on Virtual tables)
Super 6+
A side bet that may be placed on the possibility that “Banker” wins on a total point of 6 and loses with any other outcome.
- “Super 6+” with two cards totalling of 6 pays 12:1
- “Super 6+” with three cards totalling of 6 pays 18:1
- “Super 6+” bets are offered on the first 60 hands of every shoe. (restriction not applicable on Virtual tables)
Terms and Condition
Card Games
- Commencement
- Cards must be skipped on every new shoe. First card of the new shoe will be opened, and the number of cards to be skipped will be based on the number of that first card (J, Q and K will be considered as 10).
- Any failure in commencement will be corrected on the spot if the cards for first hand are not dealt. Otherwise, it will result in invalid shoe and a new one will be replaced.
- Depending on the situation, management reserves the rights to void any resulted games in the shoe. - Blue card
- Last hand for card games is indicated by blue card (Dealer’s cut).
- If blue card is drawn in between dealing, the running game will be the last hand.
- If game ends and blue card is the burn card for next game, the latter game will not commence.
- If additional hands are dealt after the last hand, it will be considered as invalid and voided. - Exposed card
- In all card games, any exposure of in-game cards during bets offering will result in voiding of hand.
- In the event unnecessary cards are drawn and exposed during dealing, result of the erroneous hand will stand based on card rules and management reserves the rights to void the shoe.
- Appropriate action will be taken by management for exposed cards during shuffling, depending on the stage of shuffling and number of exposed cards.
- Exposed cards during commencement does not affect the game play. - Wrong card rules
- In the event of any wrongful dealing of cards, management will decide if it is able to reconstruct or not. In the spirit of fair play, management reserves the rights to void or edit result of the erroneous hand.
- Depending on the situation, management reserves the rights to continue or void the shoe. - Dropped cards
- Cards that fall outside of the camera visual during shuffling, commencement, burning and scooping will be picked up and reused.
- Cards that fall outside of camera visual during dealing will be reused only if it was exposed before getting out of sight. Otherwise, the particular hand will be voided and the shoe will resume.