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?
Summary by Praxikon of the draft of 19 May 2026. The draft is not binding; the final guidelines have not yet been published.
Point 5 bundles four routes: assessment by or on behalf of public authorities of eligibility for benefits and services, including healthcare (point a), creditworthiness and credit scores of natural persons (point b), risk assessment and pricing in life and health insurance (point c) and triage of emergency calls and dispatch of emergency services (point d). Fraud detection is expressly excluded from point 5(b), and non-life insurance is not in point 5(c). The draft makes clear that the use case counts, not the technique or the data used: credit scoring on alternative data remains point 5(b). Deployers under point 5(b) and (c) carry out a FRIA (Article 27(1)), as do public authorities.
Falling outside depends on the intended purpose and on the Article 6(3) exception, which never applies to profiling.
The overview of all eight areas and the dates is on Annex III of the AI Act; the Article 6(3) filter is explained in the Commission guidelines on high-risk AI.
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.