Two 'Category 3' in long-term categories; general categories 1-2 exclude a non-existent 'Category 4 (Permanent Health)' (PINS and TRR)

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).

Proposed correction

Please renumber "Permanent health" as Category 4 in PINS Schedule 2 and in TRR Schedule 2 (Family Takaful).

Jurisdiction

Kazakhstan — AIFC

Act

AIFC Insurance and Reinsurance Prudential Rules

Place

PINS Schedule 2

Record

Discrepancy

Class

Text of the act

Where it arose

The text of the act

Arxo's conclusion

Confirmed

Official text

Unchanged at last check

Last checked

2026-10-24

Evidence

Contradiction within the text. Quotations are verbatim from the official material; translations are ours and marked.

Long-Term Insurance Category 3: Linked long-term

Long-Term Insurance Category 3: Permanent health

but excluding contracts falling within Long-Term Insurance Category 4 (Permanent Health).

Family Takaful Category 3: Permanent health

but excluding contracts falling within Family Takaful Category 4 (Permanent Health).

How to check it without Arxo's tools

1. Open AIFC Insurance and Reinsurance Prudential Rules and find PINS Schedule 2; PINS Schedule 2, p.57; PINS Schedule 1, General Insurance Category 1 and 2. Compare the text with the quotation above. A copy is kept in this register: 3f9031ccaf1b4673-aifc-insurance-and-reinsurance-prudential-rules.pdf (SHA-256 3f9031ccaf1b4673811786d2cd011df2d712e9245c96f21c34fbf532bfcbfff7, copy of the official file).
2. Open AIFC Takaful and Retakaful Prudential Rules and find TRR Schedule 2; TRR Schedule 1, General Takaful Category 1 and 2. Compare the text with the quotation above. A copy is kept in this register: f0a0b4a6a254d390-aifc-takaful-and-retakaful-prudential-rules.pdf (SHA-256 f0a0b4a6a254d390fd8452b3b783b3ef05b4fce958ae8bec7843054790e83364, copy of the official file).
3. The finding holds if the quoted passages read as shown and the comparison gives the result stated at the top of this page. If it does not, write to us with the record ID.

How this finding was made

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).

Responsible institutions

• Astana Financial Services Authority (AFSA) — author of the AIFC Rules

Reported to

Responses

No response recorded.

Documents and reproduction

• AIFC Insurance and Reinsurance Prudential Rules
• AIFC Takaful and Retakaful Prudential Rules

History

1. 2026-10-24Confirmed by Arxo
2. 2026-10-27Entered in the register
3. 2026-10-27Reported to Astana Financial Services Authority (AFSA) (e-mail)

Cite this record

Arxo Law, Arxo Findings Register, ARXO-2026-0133, https://arxo.io/findings/ARXO-2026-0133/ (status as of 2026-10-24). Data: ARXO-2026-0133.json.