For banks, insurers, public service providers and emergency services where AI can affect access to basic services or financial opportunities.
Annex III point 5 concerns decisions about credit, insurance, public benefits, healthcare and emergency triage. Correct classification also determines whether Article 27 FRIA becomes relevant.
The routes are essential public assistance benefits and services, creditworthiness/credit score, life and health insurance risk assessment/pricing, and emergency first response dispatch or triage.
Does the AI affect access, price, priority or eligibility for an essential service?
AI by or on behalf of public authorities for eligibility, granting, reducing, revoking or reclaiming essential public benefits and services.
AI that evaluates the creditworthiness of natural persons or establishes their credit score, except fraud detection.
AI for risk assessment and pricing in life and health insurance for natural persons.
AI that evaluates/classifies emergency calls or determines dispatch/priority for emergency first response or healthcare triage.
Review credit scoring, insurance, public eligibility or emergency triage against Annex III point 5 and Article 27 FRIA.
Short answers for classification, evidence and next steps under Annex III.
The routes are essential public assistance benefits and services, creditworthiness/credit score, life and health insurance risk assessment/pricing, and emergency first response dispatch or triage. The practical starting question is: Does the AI affect access, price, priority or eligibility for an essential service?
This domain page expands the main routes: Public assistance benefits and services, Creditworthiness and credit score, Life and health insurance risk assessment/pricing and Emergency calls and triage. For each system, check the intended purpose, the output and the impact on access, rights or safety.
Document the intended purpose, use context, relevant Annex III route, Article 6(3) assessment, any profiling, provider/deployer roles and the required safeguards.