The table below shows the exact points at which insurance EV >= 0 using the KO counting system for 8 decks. The table was derived using a weighted average of all the possible subsets given the listed player 2 card hand and allowing for dealer's up card of ace. It was compiled using only running counts at all possible penetrations. At the end of the table there is a true count conversion approximation. It is assumed initial running count = -32.
| Hand | Run Count | Insure when this many cards remain in deck | True Count Ref |
|---|---|---|---|
| L-L | -5 | 329-363 | -0.79 to -0.72 |
| " | -4 | 251-380 | -0.83 to -0.55 |
| " | -3 | 187-384* | -0.83 to -0.41 |
| " | -2 | >=125, 384* | -0.83 |
| " | -1 | >=65 | -0.80 |
| " | 0 | 2, 4, 6, 8, >=10 | ----- |
| " | +1 | Always insure | ----- |
| L-M | -5 | 274-380 | -0.95 to -0.68 |
| " | -4 | 217-384* | -0.96 to -0.54 |
| " | -3 | >=163, 384* | -0.96 |
| " | -2 | >=109 | -0.95 |
| " | -1 | >=57 | -0.91 |
| " | 0 | 2, 4, 6, 8, >=10 | ----- |
| " | +1 | Always insure | ----- |
| L-T | -4 | 280-369 | -0.74 to -0.56 |
| " | -3 | 205-378 | -0.76 to -0.41 |
| " | -2 | 137-381* | -0.76 to -0.27 |
| " | -1 | >=71, 381* | -0.73 |
| " | 0 | 2, 4, 6, 8, >=10 | ----- |
| " | +1 | Always insure | ----- |
| L-A | -6 | 287-380 | -1.09 to -0.82 |
| " | -5 | 236-384* | -1.10 to -0.68 |
| " | -4 | >=189, 384* | -1.10 |
| " | -3 | >=142 | -1.10 |
| " | -2 | >=96 | -1.08 |
| " | -1 | >=50 | -1.04 |
| " | 0 | 2, 4, 6, >=8 | ----- |
| " | +1 | Always insure | ----- |
| M-M | -6 | 292-380 | -1.07 to -0.82 |
| " | -5 | 240-384* | -1.08 to 0.68 |
| " | -4 | >=192, 384* | -1.08 |
| " | -3 | >=144 | -1.08 |
| " | -2 | >=97 | -1.07 |
| " | -1 | >=50 | -1.04 |
| " | 0 | 2, 4, 6, >=8 | ----- |
| " | +1 | Always insure | ----- |
| M-T | -5 | 304-367 | -0.86 to -0.71 |
| " | -4 | 236-378 | -0.88 to -0.55 |
| " | -3 | 176-381* | -0.89 to -0.41 |
| " | -2 | >=118, 381* | -0.88 |
| " | -1 | >=61 | -0.85 |
| " | 0 | 2, 4, 6, 8, >=10 | ----- |
| " | +1 | Always insure | ----- |
| M-A | -7 | 302-380 | -1.21 to -0.96 |
| " | -6 | 255-384* | -1.22 to -0.81 |
| " | -5 | >=212, 384* | -1.23 |
| " | -4 | >=169 | -1.23 |
| " | -3 | >=128 | +1.22 |
| " | -2 | >=86 | -1.21 |
| " | -1 | >=45 | -1.16 |
| " | 0 | 2, 4, 6, >=8 | ----- |
| " | +1 | Always insure | ----- |
| T-T | -3 | 229-369 | -0.68 to -0.42 |
| " | -2 | 151-375 | -0.69 to -0.28 |
| " | -1 | 78-378* | -0.67 to -0.14 |
| " | 0 | 2, 4, 6, 8, >=10, 378* | ----- |
| " | +1 | Always insure | ----- |
| T-A | -6 | 315-367 | -0.99 to -0.85 |
| " | -5 | 254-378 | -1.02 to -0.69 |
| " | -4 | 202-381* | -1.03 to -0.55 |
| " | -3 | >=151, 381* | -1.03 |
| " | -2 | >=102 | -1.02 |
| " | -1 | >=53 | -0.98 |
| " | 0 | 2, 4, 6, >=8 | ----- |
| " | +1 | Always insure | ----- |
| A-A | -8 | 310-380 | -1.34 to -1.09 |
| " | -7 | 267-384* | -1.36 to -0.95 |
| " | -6 | >=228, 384* | -1.37 |
| " | -5 | >=190 | -1.37 |
| " | -4 | >=152 | -1.37 |
| " | -3 | >=115 | -1.36 |
| " | -2 | >=77 | -1.35 |
| " | -1 | >=40 | -1.30 |
| " | 0 | 2, 4, 6, >=8 | ----- |
| " | +1 | Always insure | ----- |
Worst case true count approximations
L-L Insure if TC >= -0.79
L-M Insure if TC >= -0.91
L-T Insure if TC >= -0.73
L-A Insure if TC >= -1.04
M-M Insure if TC >= -1.04
M-T Insure if TC >= -0.85
M-A Insure if TC >= -1.16
T-T Insure if TC >= -0.67
T-A Insure if TC >= -0.98
A-A Insure if TC >= -1.30