Insurance Regulation: Circular on Response in Mandatory Insurance Documents

The Kuwait Insurance Regulatory Authority issued Circular No. (21) of 2026 regarding compliance with the minimum data requirements that must be included in the Quick Response (QR) code on mandatory insurance documents, in accordance with Decision No. (19) of 2025 governing the issuance of such documents. The Authority clarified that the circular is based on the provisions of Law No. (125) of 2019 concerning the regulation of insurance and its Executive Regulation, as amended, as well as Decision No. (19) of 2025 and its amendments. It emphasized the necessity for all entities under its supervision to comply with the provisions of Article 4, Clause 2 of the Decision.

The Authority specified that the minimum data to be included in the QR code comprises the policy number, the policy schedule, the sum insured, general conditions, exclusions, deductibles, special conditions, the premium or contribution amount, details of the broker or insurance agent, endorsements, notice of debt, coverage period, and the date of issuance, along with any other relevant data. The Kuwait Insurance Regulatory Authority further affirmed that failure to comply with the circular grants it the right to hold violators accountable in accordance with Law No. (125) of 2019, its Executive Regulation, and the decisions and circulars issued thereunder, and to take the necessary legal actions against them.