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Insurance bets of up to half the player's present bet are placed on the "insurance bar" above the player's cards. In most casinos, the dealer appears at the down card and pays off or requires the insurance bet instantly. In other casinos, the payoff waits until the finish of the play. A player total of 21 on the initially two cards is a "organic" or "blackjack", and the player wins right away unless the dealer also has a single, in which case the hand ties. In the case of a tie ("push" or "standoff"), bets are returned without the need of adjustment. A blackjack beats any hand that is not a blackjack, even one with a value of 21. One particular such bonus was a ten-to-one payout if the player's hand consisted of the ace of spades and a black jack (either the jack of clubs or the jack of spades). This hand was known as a "blackjack", and the name stuck even just after the ten-to-a single bonus was withdrawn.

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