The table below shows the exact points at which insurance EV >= 0 using the HiLo counting system for a single deck. 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 | <=27, 48* | +1.93 |
| " | +2 | Always insure, 48* | ----- |
| L-M | 0 | 2 | ----- |
| " | +1 | Always insure, 48* | +1 |
| L-T | 0 | 2 | ----- |
| " | +1 | <=21 | +2.48 |
| " | +2 | <=43 | +2.42 |
| " | +3 | Always insure, 45* | ----- |
| L-A | 0 | >=13, 48* | ----- |
| " | +1 | Always insure | +1 |
| M-M | 0 | 2, 4, 6, 13-45, 47, 48* | ----- |
| " | +1 | Always insure | +1 |
| M-T | 0 | 2 | ----- |
| " | +1 | <=39, 45* | +1.33 |
| " | +2 | Always insure | ----- |
| M-A | -1 | 38-45 | -1.37 to -1.15 |
| " | 0 | 2, 4, >=6 | ----- |
| " | +1 | Always insure | +1 |
| T-T | 0 | 2 | ----- |
| " | +1 | <=17 | +3.06 |
| " | +2 | <=34 | +3.06 |
| " | +3 | <=42 | +3.71 |
| " | +4 | Always insure | ----- |
| T-A | 0 | 2, 4, 45* | ----- |
| " | +1 | Always insure, 45* | +1 |
| A-A | -2 | >=42 | -2.48 |
| " | -1 | >=22 | -2.36 |
| " | 0 | 2, >=4 | ----- |
| " | +1 | Always insure | ----- |
Worst case true count approximations
L-L Insure if TC >= +1.93
L-M Insure if TC >= +1
L-T Insure if TC >= +2.48
L-A Insure if TC >= 0
M-M Insure if TC >= 0
M-T Insure if TC >= +1.33
M-A Insure if TC >= 0
T-T Insure if TC >= +3.71
T-A Insure if TC >= +1
A-A Insure if TC >= -2.36