EU AI Act — Annex III High-Risk Insurance

EU AI Act — Annex III High-Risk Insurance — 100% of in-scope requirements covered.

4 requirements · 3 in scope (3 enforced) · 1 out-of-scope (outside KYE™’s authority layer). The 100% is weighted over the in-scope base.

EU AI Act (AI governance frameworks): requirement → the KYE™ artefact that enforces it

Demo data

You learn: Which requirements KYE™ enforces at runtime and with which artefact. You can: Walk the requirements.

  1. annex3-human-oversight · enforced

    A high-risk AI insurance decision proceeds only under a recorded named human-oversight authority (Art. 14)

    Audit events: kye.purpose.request.v1, kye.purpose.admissibility.v1, kye.evidence.decision_map.v1 · Rule packs: kye:rule-pack:insurance-underwriting-claims · Constitution: 12 purpose permission

  2. annex3-record-keeping-logging · enforced

    The AI decision emits a signed, replay-provable Evidence Pack™ (Art. 12 record-keeping)

    Audit events: kye.evidence.pack.v1, kye.replay.context_seal.v1, kye.replay.proof.v1 · Rule packs: kye:rule-pack:insurance-underwriting-claims · Constitution: 13 resilience loop, 30 audit worm…

  3. annex3-transparency-contestability · enforced

    The decision carries an adverse-action reason and an appeal / contestability record

    Audit events: kye.evidence.decision_map.v1, kye.evidence.pack.v1 · Rule packs: kye:rule-pack:insurance-underwriting-claims · Constitution: 13 resilience loop, 21 delegated auditability

  4. risk-pricing-system-build-conformity · out-of-scope

    Risk pricing, high-risk system build, and conformity assessment on the merits

    (no enforcement cited)

How this widget is built
Demonstrates
KYE™ Compliance Mapping Rail™
Components
  • Framework requirement (clause)
  • Coverage status
  • KYE™ enforcement artefact (event, decision-record field, Evidence Pack™ entry)
Flow
Clause → status → the KYE™ artefact that enforces it, enforced requirements first. Architecture diagram
Used on

Source: Regulation (EU) 2024/1689 (the EU AI Act) classifies AI systems used for risk assessment and pricing in life and health insurance as high-risk (Annex III, point 5(c)), triggering obligations including human oversight (Art. 14), record-keeping / logging (Art. 12), transparency, and risk-management. KYE Protocol™ governs whether an AI-assisted underwriting or claims decision in scope may PROCEED to a consequential adverse action — under a named human's oversight authority, with a recorded adverse-action reason-code, with fairness-evidence captured, with a signed replay-provable Evidence Pack™ (the Art. 12 logging record), and an appeal / contestability record. KYE™ does not price the risk, build the high-risk AI system, perform the conformity assessment, or replace the human reviewer. · License: Regulation (EU) 2024/1689 is published in the Official Journal of the EU; KYE™ registry paraphrases each requirement's intent and cites the article / annex for mapping purposes only.

By category

CategoryReqsEnforcedDesignedAdvisoryDeferredCoverage
Human oversight authority over the high-risk decision (Art. 14)11000100%
Record-keeping / logging of the AI decision (Art. 12)11000100%
Transparency & contestability of the decision11000100%
Risk pricing, system build & conformity assessment on the merits100000%

Every requirement → the KYE™ artefact that enforces it

IDTitleStatusKYE™ enforcement
eu-ai-act-insurance.annex3-human-oversightA high-risk AI insurance decision proceeds only under a recorded named human-oversight authority (Art. 14)enforcedaudit_events: kye.purpose.request.v1, kye.purpose.admissibility.v1, kye.evidence.decision_map.v1
engines: internal, internal
rule_packs: kye:rule-pack:insurance-underwriting-claims
dictionaries: internal
constitution_refs: constitution/12-PURPOSE-PERMISSION.md
eu-ai-act-insurance.annex3-record-keeping-loggingThe AI decision emits a signed, replay-provable Evidence Pack™ (Art. 12 record-keeping)enforcedaudit_events: kye.evidence.pack.v1, kye.replay.context_seal.v1, kye.replay.proof.v1
engines: internal, internal
rule_packs: kye:rule-pack:insurance-underwriting-claims
constitution_refs: constitution/13-RESILIENCE-LOOP.md, constitution/30-AUDIT-WORM-RETENTION.md
eu-ai-act-insurance.annex3-transparency-contestabilityThe decision carries an adverse-action reason and an appeal / contestability recordenforcedaudit_events: kye.evidence.decision_map.v1, kye.evidence.pack.v1
engines: internal, internal
rule_packs: kye:rule-pack:insurance-underwriting-claims
constitution_refs: constitution/13-RESILIENCE-LOOP.md, constitution/21-DELEGATED-AUDITABILITY.md
eu-ai-act-insurance.risk-pricing-system-build-conformityRisk pricing, high-risk system build, and conformity assessment on the meritsout-of-scope(no enforcement cited)

Canonical KYE™ surfaces referenced on this page: Evidence Pack™ · KYE Protocol™.