Artificial intelligence (AI) and its regulation continue to shape the Middle East’s insurance industry, as highlighted in Norton Rose Fulbright’s report, Insurance Foresight 2025. The report provides insights into AI governance efforts across several countries in the region.
Bahrain
Bahrain’s Shura Council has approved a standalone draft law for AI governance, which outlines restrictions on prohibited AI uses, licensing requirements, and penalties for violations. However, the report notes that the law has faced opposition, and its current status remains uncertain.
Kuwait
Kuwait recently introduced its draft National AI Strategy 2025-2028, which presents a comprehensive framework and recommendations for AI development. The strategy aims to position Kuwait as an AI hub, establish a strong AI ecosystem, and enhance government and public services through AI-driven innovation.
UAE
The UAE has implemented multiple initiatives to regulate and guide AI development. One key initiative is the UAE Charter for the Development and Use of Artificial Intelligence, released in June 2024. The charter outlines 12 priorities, including ethical AI governance, fostering human-machine collaboration, and raising AI awareness to create an inclusive future. The policy objectives focus on responsible AI use, promoting innovation, and supporting economic growth through AI advancements.
Oman
In August 2024, Oman’s Ministry of Transport, Communications, and Information Technology published the National Artificial Intelligence Policy for public consultation. Additionally, Oman has been investing in AI governance since 2022 through its National Programme for Artificial Intelligence and Advanced Digital Technologies.
Qatar
In 2024, the Qatar Central Bank issued Guidelines for Secure Adoption and Usage of Artificial Intelligence (Version 1.0), which came into effect in September. These guidelines provide regulatory oversight for AI governance, emphasizing AI lifecycle management and ethical use in financial and insurance sectors.
Saudi Arabia
Saudi Arabia introduced the AI Ethics Principles in 2023 through the Saudi Data and Artificial Intelligence Authority (SDAIA). These principles aim to establish AI ethics policies, regulatory frameworks, and governance measures to mitigate AI-related risks and ensure responsible AI implementation.
The Middle East continues to advance AI regulation across various sectors, ensuring responsible and ethical AI integration while fostering innovation and economic development.
