1
Benefits
AI flags cases for benefit review or fraud investigation.
High-risk AI guide · Annex III
Annex III point 5
High-risk AI in essential services
AI that affects access, priority or price in essential services needs a careful file around decision role, fairness, explanation and objection.
What falls in scope?
Public benefits, assistance or essential services.
Creditworthiness and credit pricing.
Life and health insurance risk or pricing.
Emergency calls, triage and dispatch priority.
When to review first?
Fraud or eligibility scoring
Credit score or loan advice
Insurance acceptance or premium advice
Emergency triage or priority
What should a first review deliver?
Decision role and human oversight
Fairness and proxy-variable check
Explanation and objection route
Evidence questions for provider or supplier
Recognisable situations
2
Credit
AI estimates creditworthiness or advises on loan approval.
3
Emergency
AI helps classify urgency or dispatch priority.
Based on official sources
This page is a practical guide for first classification and preparation. For legal decisions, a full system and context review remains necessary.
Other Annex III areas
Annex III point 4
HR and employment
Could the AI affect a person’s job opportunity, evaluation or working conditions?
High-risk AI in HR and employmentAnnex III point 3
Education
Does the AI support learning, or does it help decide something about a learner?
High-risk AI in educationAnnex III point 1
Biometrics
Can this biometric AI system be used at all, or does a prohibition need to be checked first?
High-risk AI in biometricsAnnex III point 2
Critical infrastructure
Does the AI influence safety, availability or priority for a critical service?
High-risk AI in critical infrastructureMake this concrete for your systems.
Start with the Gap Intake and share which AI systems, suppliers and processes are in scope. Then we can sharpen the classification and first evidence route.