Annex III expert page
When AI affects access to credit, insurance, public assistance or emergency response, classification must be connected directly to fundamental rights and evidence.
Review credit scoring, insurance, public eligibility or emergency triage against Annex III point 5 and Article 27 FRIA.
Annex III point 5
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.
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.
Short answers for classification, evidence and next steps under Annex III.
Expert review is useful when the core question is not straightforward: Does the AI affect access, price, priority or eligibility for an essential service? This is especially relevant when the outcome may affect access, assessment, safety, oversight or fundamental rights.
A classification intake maps the intended purpose, Annex III route, Article 6(3) filter, profiling, provider/deployer roles and the first evidence items.
This page provides general explanation based on the AI Act and the Commission guidelines. Concrete classification depends on system design, use context, role allocation and available documentation.
Review credit scoring, insurance, public eligibility or emergency triage against Annex III point 5 and Article 27 FRIA.