{
  "id": "ARXO-2026-0133",
  "url": "https://arxo.io/findings/ARXO-2026-0133/",
  "record_kind": "discrepancy",
  "class": "act_text",
  "class_label": "Text of the act",
  "jurisdiction": "KZ",
  "jurisdiction_detail": "AIFC",
  "act": "AIFC Insurance and Reinsurance Prudential Rules",
  "acts": [
    "Banking Business Prudential Rules",
    "Islamic Banking Business Prudential Rules",
    "Insurance and Reinsurance Prudential Rules",
    "Takaful and Retakaful Prudential Rules",
    "Prudential Rules for Insurance Intermediaries"
  ],
  "location": "PINS Schedule 2",
  "text": {
    "en": {
      "title": "Two 'Category 3' in long-term categories; general categories 1-2 exclude a non-existent 'Category 4 (Permanent Health)' (PINS and TRR)",
      "summary": "PINS Schedule 2 numbers both \"Linked long-term\" and \"Permanent health\" as Long-Term Insurance Category 3; there is no Category 4. General Insurance Categories 1 (Accident) and 2 (Sickness) in Schedule 1 exclude \"contracts falling within Long-Term Insurance Category 4 (Permanent Health)\". The name in brackets identifies the intended category, so the meaning survives. TRR Schedules 1 and 2 repeat this (Family Takaful Category 3 twice; General Takaful Categories 1 and 2 exclude Family Takaful Category 4).",
      "correction": "Please renumber \"Permanent health\" as Category 4 in PINS Schedule 2 and in TRR Schedule 2 (Family Takaful)."
    }
  },
  "status": {
    "badge": "reported",
    "label": {
      "en": "Reported",
      "ru": "Сообщено"
    },
    "conclusion": "confirmed",
    "official_text": "unchanged",
    "addressee": "none",
    "last_checked": "2026-10-24",
    "fixed_on": null,
    "correction_type": null,
    "under_review": false
  },
  "origin": "The text of the act",
  "evidence": {
    "method": "Contradiction within the text",
    "quotes": [
      {
        "location": "l1",
        "source": "AIFC Insurance and Reinsurance Prudential Rules",
        "role": "Normative text",
        "language": "en",
        "edition": null,
        "locator": "PINS Schedule 2",
        "text": "Long-Term Insurance Category 3: Linked long-term",
        "translations": {},
        "url": "https://aifc.kz/wp-content/uploads/2024/06/aifc-insurance-and-reinsurance-prudential-rules.pdf",
        "sha256": "3f9031ccaf1b4673811786d2cd011df2d712e9245c96f21c34fbf532bfcbfff7",
        "retrieved": "2026-10-23",
        "copy": "sources/3f9031ccaf1b4673-aifc-insurance-and-reinsurance-prudential-rules.pdf",
        "copy_sha256": "3f9031ccaf1b4673811786d2cd011df2d712e9245c96f21c34fbf532bfcbfff7",
        "copy_kind": "copy of the official file"
      },
      {
        "location": "l2",
        "source": "AIFC Insurance and Reinsurance Prudential Rules",
        "role": "Normative text",
        "language": "en",
        "edition": null,
        "locator": "PINS Schedule 2, p.57",
        "text": "Long-Term Insurance Category 3: Permanent health",
        "translations": {},
        "url": "https://aifc.kz/wp-content/uploads/2024/06/aifc-insurance-and-reinsurance-prudential-rules.pdf",
        "sha256": "3f9031ccaf1b4673811786d2cd011df2d712e9245c96f21c34fbf532bfcbfff7",
        "retrieved": "2026-10-23",
        "copy": "sources/3f9031ccaf1b4673-aifc-insurance-and-reinsurance-prudential-rules.pdf",
        "copy_sha256": "3f9031ccaf1b4673811786d2cd011df2d712e9245c96f21c34fbf532bfcbfff7",
        "copy_kind": "copy of the official file"
      },
      {
        "location": "l3",
        "source": "AIFC Insurance and Reinsurance Prudential Rules",
        "role": "Normative text",
        "language": "en",
        "edition": null,
        "locator": "PINS Schedule 1, General Insurance Category 1 and 2",
        "text": "but excluding contracts falling within Long-Term Insurance Category 4 (Permanent Health).",
        "translations": {},
        "url": "https://aifc.kz/wp-content/uploads/2024/06/aifc-insurance-and-reinsurance-prudential-rules.pdf",
        "sha256": "3f9031ccaf1b4673811786d2cd011df2d712e9245c96f21c34fbf532bfcbfff7",
        "retrieved": "2026-10-23",
        "copy": "sources/3f9031ccaf1b4673-aifc-insurance-and-reinsurance-prudential-rules.pdf",
        "copy_sha256": "3f9031ccaf1b4673811786d2cd011df2d712e9245c96f21c34fbf532bfcbfff7",
        "copy_kind": "copy of the official file"
      },
      {
        "location": "l4",
        "source": "AIFC Takaful and Retakaful Prudential Rules",
        "role": "Normative text",
        "language": "en",
        "edition": null,
        "locator": "TRR Schedule 2",
        "text": "Family Takaful Category 3: Permanent health",
        "translations": {},
        "url": "https://aifc.kz/wp-content/uploads/2024/06/aifc-takaful-and-retakaful-prudential-rules.pdf",
        "sha256": "f0a0b4a6a254d390fd8452b3b783b3ef05b4fce958ae8bec7843054790e83364",
        "retrieved": "2026-10-23",
        "copy": "sources/f0a0b4a6a254d390-aifc-takaful-and-retakaful-prudential-rules.pdf",
        "copy_sha256": "f0a0b4a6a254d390fd8452b3b783b3ef05b4fce958ae8bec7843054790e83364",
        "copy_kind": "copy of the official file"
      },
      {
        "location": "l5",
        "source": "AIFC Takaful and Retakaful Prudential Rules",
        "role": "Normative text",
        "language": "en",
        "edition": null,
        "locator": "TRR Schedule 1, General Takaful Category 1 and 2",
        "text": "but excluding contracts falling within Family Takaful Category 4 (Permanent Health).",
        "translations": {},
        "url": "https://aifc.kz/wp-content/uploads/2024/06/aifc-takaful-and-retakaful-prudential-rules.pdf",
        "sha256": "f0a0b4a6a254d390fd8452b3b783b3ef05b4fce958ae8bec7843054790e83364",
        "retrieved": "2026-10-23",
        "copy": "sources/f0a0b4a6a254d390-aifc-takaful-and-retakaful-prudential-rules.pdf",
        "copy_sha256": "f0a0b4a6a254d390fd8452b3b783b3ef05b4fce958ae8bec7843054790e83364",
        "copy_kind": "copy of the official file"
      }
    ]
  },
  "impact_shown": false,
  "notified": [
    {
      "date": "2026-10-27T07:53:59Z",
      "institution": "Astana Financial Services Authority (AFSA)",
      "channel": "email",
      "role": "author of the AIFC Rules"
    }
  ],
  "responsible": [
    {
      "institution": "Astana Financial Services Authority (AFSA)",
      "role": "author of the AIFC Rules"
    }
  ],
  "responses": [],
  "approval": "2026-10-27",
  "ai_role": {
    "en": "AI agents read the official texts, turned the provisions concerned into executable rules and ran the comparison; they also drafted this record. A person at Arxo checked the finding and approved the report before it was sent (2026-10-27)."
  },
  "credit": [],
  "press_date": null,
  "earlier_publications": [],
  "reproduction": [],
  "sources": [
    {
      "title": "AIFC Insurance and Reinsurance Prudential Rules",
      "url": "https://aifc.kz/wp-content/uploads/2024/06/aifc-insurance-and-reinsurance-prudential-rules.pdf"
    },
    {
      "title": "AIFC Takaful and Retakaful Prudential Rules",
      "url": "https://aifc.kz/wp-content/uploads/2024/06/aifc-takaful-and-retakaful-prudential-rules.pdf"
    }
  ],
  "related": [],
  "first_published": "2026-10-27T08:42:00Z",
  "history": [
    {
      "date": "2026-10-24",
      "event": "confirmed",
      "text": "Confirmed by Arxo"
    },
    {
      "date": "2026-10-27",
      "event": "entered",
      "text": "Entered in the register"
    },
    {
      "date": "2026-10-27",
      "event": "reported",
      "text": "Reported to Astana Financial Services Authority (AFSA) (e-mail)"
    }
  ]
}