The table below shows the exact points at which insurance EV >= 0 using the HiLo counting system for 2 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.
| Hand | Run Count | Insure when this many cards remain in deck | True Count Ref |
|---|---|---|---|
| L-L | 0 | 2 | ----- |
| " | +1 | <=18 | +2.89 |
| " | +2 | <=39 | +2.67 |
| " | +3 | <=60 | +2.60 |
| " | +4 | <=80 | +2.60 |
| " | +5 | <=94, 96* | +2.77 |
| " | +6 | Always insure, 96* | ----- |
| L-M | 0 | 2 | ----- |
| " | +1 | <=23 | +2.26 |
| " | +2 | <=49 | +2.12 |
| " | +3 | <=75 | +2.08 |
| " | +4 | <=94, 96* | +2.21 |
| " | +5 | Always insure, 96* | ----- |
| L-T | 0 | 2 | ----- |
| " | +1 | <=16 | +3.25 |
| " | +2 | <=35 | +2.97 |
| " | +3 | <=54 | +2.89 |
| " | +4 | <=72 | +2.89 |
| " | +5 | <=86 | +3.02 |
| " | +6 | <=93, 93* | +3.35 |
| " | +7 | Always insure, 93* | ----- |
| L-A | 0 | 2 | ----- |
| " | +1 | <=32 | +1.63 |
| " | +2 | <=68 | +1.53 |
| " | +3 | <=94. 96* | +1.66 |
| " | +4 | Always insure, 96* | ----- |
| M-M | 0 | 2 | ----- |
| " | +1 | <=31 | +1.68 |
| " | +2 | <=66 | +1.58 |
| " | +3 | <=92, 94, 96* | +1.70 |
| " | +4 | Always insure, 96* | ----- |
| M-T | 0 | 2 | ----- |
| " | +1 | <=20 | +2.60 |
| " | +2 | <=43 | +2.42 |
| " | +3 | <=66 | +2.36 |
| " | +4 | <=84 | +2.48 |
| " | +5 | <=93, 93* | +2.80 |
| " | +6 | Always insure, 93* | ----- |
| M-A | 0 | 2 | ----- |
| " | +1 | <=51 | +1.02 |
| " | +2 | <=92, 94, 96* | +1.13 |
| " | +3 | Always insure, 96* | ----- |
| T-T | 0 | 2 | ----- |
| " | +1 | <=15 | +3.47 |
| " | +2 | <=32 | +3.25 |
| " | +3 | <=49 | +3.18 |
| " | +4 | <=65 | +3.20 |
| " | +5 | <=78 | +3.33 |
| " | +6 | <=87 | +3.59 |
| " | +7 | <=90, 90* | +4.04 |
| " | +8 | Always insure, 90* | ----- |
| T-A | 0 | 2 | ----- |
| " | +1 | <=28 | +1.86 |
| " | +2 | <=60 | +1.73 |
| " | +3 | <=84 | +1.86 |
| " | +4 | <=93, 93* | +2.24 |
| " | +5 | Always insure, 93* | ----- |
| A-A | 0 | 2, 4 | ----- |
| " | +1 | <=94, 96* | +0.55 |
| " | +2 | Always insure, 96* | ----- |
Worst case true count approximations
L-L Insure if TC >= +2.77
L-M Insure if TC >= +2.21
L-T Insure if TC >= +3.35
L-A Insure if TC >= +1.66
M-M Insure if TC >= +1.70
M-T Insure if TC >= +2.80
M-A Insure if TC >= +1.13
T-T Insure if TC >= +4.04
T-A Insure if TC >= +2.24
A-A Insure if TC >= +0.55