# Zen insurance indices

The BlackjackInfo Knowledge Base contains over 200,000 messages posted by the BlackjackInfo community.

Posting and replies to the knowledge base are no longer available, but comments and replies are welcomed on the blog.

Skip to content
# Zen insurance indices

The BlackjackInfo Knowledge Base contains over 200,000 messages posted by the BlackjackInfo community.

Posting and replies to the knowledge base are no longer available, but comments and replies are welcomed on the blog.

Thanks for dropping by! I'm Ken Smith, the creator of BlackjackInfo.

My free email newsletter lets you know when new items are published on my sites, along with occasional exclusive content.

Just for subscribing, you get immediate access to my article
"**Top 10 Blackjack Strategy Mistakes**".

You can expect just 3 or 4 emails a year from the list, and unsubscribing is easy.

Zen insurance indices

Could someone give me the true count Zen insurance indices for 1, 2, and 6 decks?

http://www.blackjackforumonline.com/content/Zen_Count_Indices.htm

According to this it is +5.

Hmmm, for high low all 3 indices are different. I wonder if he just omitted something accidently.

http://www.blackjackforumonline.com/content/Zen_Count_Indices.htm

According to this it is +5.

You need to read the context carefully every time you learn the new indexes. If there is no context provided, you need to inspect indexes carefully, to decide it is 2DTC, 1DTC, 1/2DTC or 1/4DTC. (1DTC = one deck true count).

Basically indexes for 1DTC of level 1 counting systems and 1/2DTC of level 2 counting systems are almost identical. If you are migrating from level 1 like HiLo or HiOptI to level 2 like Zen or AOII and you keep using 1 deck true count, you will notice the new indexes for level 2 are roughly double of old indexes for level 1.

In this case, +5 should be Zen for 1DTC, you can convert it to +2.5 for Zen 1/2DTC. Basically all count systems are saying to buy insurance if TC is about +3 or higher. (Think another way, for every deck, there are 16 tens. You buy insurance when there are 17.25 or 17.5 tens, this is the point you get even to buy insurance bet since one third of 52 is 17.33. If there are more than 17.33 tens as true count is higher than 17.33, you make money to buy insurance.)

Hmmm, for high low all 3 indices are different. I wonder if he just omitted something accidently.

Aces counted the same as tens mess up HILO for insurance. Zen counts them at half the value of a ten. That is the difference.

Thanks for responding NAP, BJgenius, and tthree. By doubling the high low insurance indices for 1, 2, and 6 decks, I come up with 3, 5, and 6. Are you guys saying that 5 is correct for any number of decks? Just want to be sure.

Thanks for responding NAP, BJgenius, and tthree. By doubling the high low insurance indices for 1, 2, and 6 decks, I come up with 3, 5, and 6. Are you guys saying that 5 is correct for any number of decks? Just want to be sure.

No, no, the insurance index for 2 deck, 6 deck and 8 decks should be roughly the same, about +3, assuming 1DTC. Single deck indexes are trickier because the cards on the table have much greater impact to affect indexes.

And you need to read old threads about 2DTC, 1DTC, 1/2DTC and 1/4DTC. It is really important to know the differences among them before you use index plays. Otherwise, it is likely that the index you are using is half or double of the correct index.

Just use

+5and stop worrying about it.Thanks Flash. Any other practioniers care to comment on this?

Thanks Flash. Any other practioniers care to comment on this?

I can see you are not convinced. Let us illustrate using an example.

What Flash said is that the Zen most people use is 1 deck TC Zen. So you stick with +5, it is most likely the correct index for insurance. Give you an example,

Assume you are playing 6 deck, assume 1 deck has been played, there are 5 decks remaining, the cards you have seen were 10, 6, 10, 6, 2, 4, 4, 5, 6, 3,4,6,7, followed by five straight 5

So the running count = -2+2-2+2+1+2+2+2+2+1+2+2+1+2×5 = +25

We are using 1 deck true count (1DTC),

So TC = +25 / 5 = +5

Now dealer up card is A and he asked if anyone want to buy insurance, you should because TC is equal or higher than +5. You can see only two tens came out, so there are many tens in the remaining deck, so dealer’s BJ probability is quite high.

======================================================

Same cards have been played. We just use 1/2 DTC.

In some book, the author used 1/2 DTC (half deck true count), 5 decks is equal to 10 half-decks.

So TC = +25/ 10 = +2.5

The insurance index is +2.5 for 1/2DTC system. When TC is greater than or equal to +2.5, you should buy insurance.

======================================================

If we are using quarter deck true count, since 5 decks is equal to 20 quarter-decks,

So TC = RC / # of quarter-deck = +25/20 = +1.25.

The insurance index is +1.25 for 1/4DTC system. In this system, if true count is equal to or greater than 1.25, you should buy insurance.

========================================================

Just remember most people use one deck true count. It is old school true count. So +5 is a good answer for your first question.

Your second question is more like “Under traditional one deck true count Zen, is insurance index +5 the same for 1 deck, 2 deck, 6 deck and 8 deck Blackjack?” The answer is yes.

I just bring up another topic on grain size because more and more people move to half deck true count system because the grain size is smaller so the index will be more accurate in nature. And the indexes you need to memorize will be quite different on different grain size system. But you have to ask yourself, can you spot how many quarter-decks remaining by looking at the discard tray? It is much easier to say there are 2 decks remaining than say there are 8 or 9 or 10 quarter-decks remaining.

If you round instead of floor to get your TC

then insure at 6 or greater.

I have a lot of respect for you guys that have considerable experience at BJ. I was looking for confirmation since that the insurance bet is so important. I do appreciate you taking the time to give me your examples BJgenius. I think I’ll just be using the 1 deck TC.

I have a lot of respect for you guys that have considerable experience at BJ. I was looking for confirmation since that the insurance bet is so important. I do appreciate you taking the time to give me your examples BJgenius. I think I’ll just be using the 1 deck TC.

One deck TC is a good choice for people learning Zen fresh. For people migrating from Hi Lo to Zen, the choice should be half deck true count because the indexes for the two will be roughly the same.

Or you can just remember to double the indices when they are used. That shouldn’t be too hard. I often multiply the index by the number of decks remaining and compare to the RC rather than convert the RC to a TC when RC moved a lot since my bet and it is a close call. I am just faster with some numbers that way. Also it seems easier when using side count adjustments.

Tthree, I’m curious, are the insurance indices for Hi Opt2 identical for 1, 2, and 6 decks?

Tthree, I’m curious, are the insurance indices for Hi Opt2 identical for 1, 2, and 6 decks?

I mostly play shoe games but for an ace neutral count like HIOPT II I would think so.

Thanks for responding NAP, BJgenius, and tthree. By doubling the high low insurance indices for 1, 2, and 6 decks, I come up with 3, 5, and 6. Are you guys saying that 5 is correct for any number of decks? Just want to be sure.

Insurance Index Numbers for Zen Count (Count-Per-Deck)

Single Deck +4

Multiple Deck +5

Tthree, I’m curious, are the insurance indices for Hi Opt2 identical for 1, 2, and 6 decks?

Nope, For Hi-Opt II I believe they are

Single +3.5

Double +5

3+ Decks +6

Nope, For Hi-Opt II I believe they are

Single +3.5

Double +5

3+ Decks +6

Good to know. I have only played shoe games since learning it but plan to head south when I get fed up with the cold weather probably in February or March. The info might come in handy then. I will probably be counting the neutral cards so I will be accurate without those anyway. I assume the difference is due to the likely range of surplus or deficit neutral cards between the games.

Thanks bigplayer for coming in even when the count wasn’t high.

Nope, For Hi-Opt II I believe they are

Single +3.5

Double +5

3+ Decks +6

I really doubt it. For counting system reckoning ace, the extra ace as dealer’s upcard may affect one deck insurance index slightly. But for Hi Opt II which doesn’t count ace at all, insurance index for single, double, six and eight decks should be the same.

Zen: Single = 4; DD & Multideck = 5

HOII: Single =5; DD & Multideck = 6