I have carefully thought about the insurance index again. For this particular hand situation of 16vsA, there are three possible card combinations: (10, 6)vsA, (7,9)vsA, and (8,8)vsA. The insurance indices for these situations are +3.3, +2.8, and +2.8 respectively. However, there are more (10,6)vsA combinations than the other two. Taking all together, we get the insurance index for this particular situation: 3.3*(8/11)+2.8*(3/11)=+3.2.
I hope this is correct.
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