EIOPA Insurance AI Guidelines¶

EIOPA (European Insurance and Occupational Pensions Authority) provides guidelines for AI use in insurance, focusing on fairness, transparency, and consumer protection.

Key Requirements¶

Underwriting AI¶

Requirement	OxideShield Feature	Status
Non-discrimination	PatternGuard	⚠️ Partial
Explainability	Attestation	⚠️ Partial
Data quality	PII Guard	✅

Claims Processing¶

Requirement	OxideShield Feature	Status
Fair assessment	Under development	❌ Gap
Fraud detection fairness	Policy engine	⚠️ Partial
Customer communication	DarkPatternGuard	✅

Consumer Protection¶

Requirement	OxideShield Feature	Status
Vulnerability detection	PsychologicalSafetyGuard	✅
Clear communication	ToxicityGuard	✅
Complaints handling	Audit trail	✅

Implementation¶

# EIOPA compliant insurance AI configuration
guards:
  - name: claims-fairness
    type: PatternGuard
    config:
      patterns:
        - "claim denied due to"
        - "pre-existing condition"
        - "excluded based on"
      action: log  # For audit, not blocking
      audit: required

  - name: customer-wellbeing
    type: PsychologicalSafetyGuard
    config:
      enabled: true

  - name: pii-protection
    type: PIIGuard
    config:
      categories:
        - health_data
        - financial_data
      action: redact

References¶

EIOPA AI Governance Guidelines (2024)
Solvency II - Directive 2009/138/EC
IDD - Insurance Distribution Directive 2016/97