Insurance Baccarat Live From Evolution
This is Evolution’s Insurance Baccarat table, launched in December 2025. It adds to the constantly growing range of Evolution baccarat tables and variations.
Insurance Baccarat applies an automatic insurance feature to all Player and Banker bets, giving you a chance to push your bet (have the stake returned) even if your position loses. Of course, there is a fee for this insurance.
It’s up and running at all casinos carrying Evolutions live games, including:
How the Insurance Feature Works
When you bet Banker or Player on this table, you are charged a 10% insurance fee. As an example, a €10 chip on Banker or Player will cost you €11. Then, if your position loses, but was winning after the initial deal (ie before third cards are dealt), your bet pushes (is returned). If your position wins or Ties the game resolves as it would on a regular baccarat table. Either way, the insurance fee is not returned.
In all other respects, the game follows the rules of regular baccarat tables. Same win condition (position closest to 9), same card values, same deal and third card rules. For a refresher on all these, check our baccarat tutorial.
There are also a bunch of optional side bets you can take…the same lineup that is offered on Evolution’s regular baccarat tables.
In the example round below, a €10 bet on the Banker position (which cost €11) is pushed even though Banker lost, because the Banker position was leading (Player 1 V Banker 3) before the Player 3rd card came out.
A Banker win pays the regular banker win payout of 0.95:1.
Play Commission or No Commission mode
On the Insurance Baccarat table you can play the main game Player and Banker bets in either Commission or No Commission mode. In Commission mode, Banker payout is 0.95:1. In No Commission mode, Banker payouts becomes: 1:1 unless Banker win value is 6, then 0.5:1.
A button just right of the bet selector allows you to toggle between modes during betting time.
Pragmatic live baccarat tables and Playtech baccarat tables have allowed players to switch between payout modes for a while now. Evolution may be testing the waters with this feature on Insurance Baccarat, before rolling it out across their other baccarat tables.
Insurance Baccarat: payouts & returns for all bets
Payouts for all other bets remain unchanged in either mode, and are as follows…
| Bet | Payout | Return to Player |
|---|---|---|
| Player | 1:1 | 97.30% |
| Banker (Commission mode) | 0.95:1 | 97.06% |
| Banker (No Commission mode) | 1:1* | 96.69% |
| Tie (Red Envelope bonus can apply) | 8-11:1 | 89.42% |
| Player Pair (Red Envelope bonus can apply)** | 11-15:1 | 92.10% |
| Banker Pair (Red Envelope bonus can apply)** | 11-15:1 | 92.10% |
| Perfect Pair (one/double) | 25/200:1 | 91.95% |
| Either Pair | 5:1 | 86.29% |
| Player Bonus | 1-30:1 | 97.35% |
| Banker Bonus | 1-30:1 | 90.63% |
* unless Banker win value 6, in which case payout is 0.5:1
** Red Envelope bonus offers random payout boosts to these bets on occasion, as it does on other Evolution baccarat tables.
There are a couple of clear takeaways from the above table.
- If you are playing Insurance Baccarat, avoid the side and Tie bets and stick to Player or Banker bets.
The one exception to this is the Player Bonus side bet where you’re betting on the Player position win margin. - Regular baccarat tables have a smaller house edge with Banker bets returning 98.94% and Player bets returning 98.76%. With this in mind, I don’t see the upside in playing Insurance Baccarat.
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