EU AI Act — Annex III High-Risk Insurance — 75% covered.

4 requirements · 3 enforced · 0 designed · 0 advisory · 0 deferred.

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