Annex III expert page
AI Act essential services expert | Zahed Ashkara
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
When this is relevant
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.
Core question
Does the AI affect access, price, priority or eligibility for an essential service?
Use cases from the guidelines
Public assistance benefits and services
AI by or on behalf of public authorities for eligibility, granting, reducing, revoking or reclaiming essential public benefits and services.
Creditworthiness and credit score
AI that evaluates the creditworthiness of natural persons or establishes their credit score, except fraud detection.
Life and health insurance risk assessment/pricing
AI for risk assessment and pricing in life and health insurance for natural persons.
Emergency calls and triage
AI that evaluates/classifies emergency calls or determines dispatch/priority for emergency first response or healthcare triage.
Finance/public services AI Act intake
Review credit scoring, insurance, public eligibility or emergency triage against Annex III point 5 and Article 27 FRIA.