---
title: "EU AI Act — Annex III High-Risk Insurance — KYE Protocol™ coverage"
description: "EU AI Act — Annex III High-Risk Insurance coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it."
url: https://kyeprotocol.com/compliance/eu-ai-act-insurance/
lang: en
source: "KYE Protocol"
---

> EU AI Act — Annex III High-Risk Insurance coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it.

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.

**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

| Category | Reqs | Enforced | Designed | Advisory | Deferred | Coverage |
| --- | --- | --- | --- | --- | --- | --- |
| Human oversight authority over the high-risk decision (Art. 14) | 1 | 1 | 0 | 0 | 0 | **100%** |
| Record-keeping / logging of the AI decision (Art. 12) | 1 | 1 | 0 | 0 | 0 | **100%** |
| Transparency & contestability of the decision | 1 | 1 | 0 | 0 | 0 | **100%** |
| Risk pricing, system build & conformity assessment on the merits | 1 | 0 | 0 | 0 | 0 | **0%** |

## Every requirement → the KYE™ artefact that enforces it

| ID | Title | Status | KYE™ enforcement |
| --- | --- | --- | --- |
| `eu-ai-act-insurance.annex3-human-oversight` | A high-risk AI insurance decision proceeds only under a recorded named human-oversight authority (Art. 14) | enforced | **audit\_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-logging` | The AI decision emits a signed, replay-provable Evidence Pack™ (Art. 12 record-keeping) | enforced | **audit\_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-contestability` | The decision carries an adverse-action reason and an appeal / contestability record | enforced | **audit\_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-conformity` | Risk pricing, high-risk system build, and conformity assessment on the merits | out-of-scope | _(no enforcement cited)_ |

Canonical KYE™ surfaces referenced on this page: [Evidence Pack™](https://kyeprotocol.com/evidence-pack/) · [KYE Protocol™](https://kyeprotocol.com/).