Insurance Fraud

Insurance Fraud is a blackjack game where your bankroll is also your health, score, shop budget and progress. You play against five dealers with one shared pile of money and no other way to earn more. Spending money on upgrades leaves you weaker, while keeping it all means you may not reach your target.

Blackjack hands and combos

You can hit, stand or double down, but the total is only part of each hand’s value. A 21 made from the six, seven and eight of hearts is also a straight flush, which pays as rent. Pairs, straights, flushes, four of a kind, full houses, hands made entirely of face cards and four-card hands with four different suits each have their own multipliers. These payouts stack, and upgrades determine which hand types pay double. Chain Reaction rewards stacking combinations.

Each table also sets a contract, such as making a flush, surviving a five-card hand or winning four hands in a row without busting. Completing a contract pays cash.

Unusual cards

As you play, you unlock additional cards, including:

• Rainbow Nine: has all four suits at once, so it cannot break a flush.
• Ladder Six: becomes whatever number your run is missing.
• Split Seven: counts as two sevens.
• Void Card: counts as nothing.
• Iron Eight: makes your first bust have no effect.

Decks and challenges

You can play with seven unique decks, each requiring a different strategy. The House Deck offers a basic option, while the Crazy Deck is designed for a less conventional run. Beating a deck unlocks a further challenge through six Ascensions.

The house can respond to your run with difficult challenges or take a share of your earnings. The game also includes five named bosses, ten house rules and a seed system for sharing runs with friends.

Retro presentation

The game uses a retro aesthetic and includes versions that run on computers from the 1990s. There is no real-money wagering or prize, and winnings have no use outside the run.