do you lose your insurance if you bust? Or if busting, your insurance stays on the table? I'm going to assume the latter, which means the insurance is a totally independent side bet, just like it always is for AP and ploppy alike. If your index to stand with 15 vs. A is at TC=5 and you are in the low 4's, I'm going to be Captain Obvious and say that you hit!
Every NHC/ENHC game I've ever seen treats the insurance bet separately, as it should be.
I have a big bet out, just bought insurance. Count is just over true 4. My index for 15 v A is true 5. Playing a NHC game. Do I hit or stand.
I say hit. I'm having a debate with another counter who says stand because of the insurance.