当玩家在最后一张公共牌发出前全押时,仍在牌局中的玩家可以购买"保险"——一种在全押玩家的 out 牌到来时支付赔付的边注。保费计算公式为:(底池 × 保额比例) × (outs 数 ÷ 剩余牌数)。本应用按照你桌上的实际赔率显示公平保费,让你一眼看出价格是否合理。
**隐私**
• 所有计算和 AI 推理均在设备本地完成
• 无需注册账号
• 不收集任何数据
**注意:** 本应用仅为计算辅助工具,实际保险条款请以庄家确认为准,各家规则可能不同。
**The only poker insurance calculator built for serious players.**
Poker insurance is one of the most misunderstood edges at the table. Pay too much and you're burning money. Pay too little and you're leaving value on the table. Poker Insurance Agent does the math in seconds so you always know the fair price.
**WHAT IT DOES**
• **Instant insurance pricing** — Enter your hole cards, board, pot size, and how many players are all-in. The app calculates the mathematically correct premium for Full Pot, 2/3 Pot, 1/2 Pot, and 1/3 Pot coverage.
• **AI card scanner** — Point your camera at the table and the app recognises all cards automatically using an on-device YOLOv8 model (98.8% mAP). No internet needed. No card data ever leaves your phone.
• **Smart self-learning** — The scanner learns from every correction you make, continuously refining its board/hole card layout detection so it gets more accurate with every session.
• **Auto outs counting** — The engine counts your flip outs (cards that win outright) and chop outs (cards that split the pot) separately, so you can decide whether to include chops in your coverage.
• **Side pot support** — Playing a hand with multiple all-ins? Enter each side pot manually or let the app calculate the correct pot layers automatically.
• **Customisable odds table** — Pre-loaded with standard poker insurance odds (1 out = 30:1, 9 outs = 3:1, etc.). Adjust any cell to match the odds your house offers and save them permanently.
• **Zoom camera controls** — Pinch or slide to zoom 1×–8× for clean shots of distant cards.
• **Chinese / English** — Full bilingual support. Switch languages with one tap.
**HOW INSURANCE WORKS (QUICK PRIMER)**
When a player is all-in before the last card is dealt, the players still in the hand can buy "insurance" — a side bet that pays out if the all-in player's out card arrives. The premium is calculated as: (pot × coverage%) × (outs / remaining cards). Poker Insurance Agent shows you the fair premium at the odds your house offers, so you always know if you're getting a fair deal.
**PRIVACY**
• All calculations and AI inference run 100% on device
• No account required
• No data collection
**NOTE:** This app is a calculation aid. Always confirm insurance terms with your dealer. House rules vary.