**专为认真牌手打造的扑克保险计算器。** 保险是牌桌上最容易被误解的优势之一。保费出高了亏钱，出低了又吃亏。扑克保险计算器秒速算出公平价格，让你每局都心里有数。 **核心功能** • **即时保险定价** — 输入洞牌、公共牌、底池大小和全押玩家信息，自动计算全额底池、2/3、1/2、1/3 保额对应的数学公平保费。 • **AI 扫牌识别** — 对准牌面拍照，应用使用本地 YOLOv8 模型（mAP 98.8%）自动识别所有牌。无需网络，牌面数据永不离开你的手机。 • **智能自学习** — 扫描器会从你的每次纠正中学习，持续优化公共牌/洞牌的布局检测，用得越多越精准。 • **自动 Outs 计算** — 引擎分别计算翻盘 Outs（直接获胜）和追平 Outs（平分底池），由你决定是否将追平纳入保险范围。 • **边池支持** — 多人全押？手动输入各边池，或由应用自动计算底池分层。 • **可自定义赔率表** — 内置标准扑克保险赔率（1 out = 30:1，9 outs = 3:1 等），可按照你桌上的实际赔率逐格修改并永久保存。 • **变焦拍摄** — 捏合手势或滑块控制 1×–8× 变焦，轻松拍清远处的牌。 • **中英双语** — 完整双语支持，一键切换语言。 **保险机制简介** 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.