In situations when the dealer's face up card is an ace, the rest of the players can apply another of the online tips for Black Jack, and this is the Insurance option. The insurance is always asked for before the dealer checks the second card he or she has. In order to use insurance, the player increased the original bet by half. The insurance is considered not a good idea by many of the Black Jack players, as it has a house edge that can reach fifteen percent depending on the number of decks that are being used. Winning tips for playing Black Jack require that the player chooses a table or an online variant with the option for doubling down. The player should also split the cards when he or she gets a pair, and thus play with two hands.