Point 5 of Annex III lists four high-risk use cases within the area of the access to and enjoyment of essential private services and essential public services and benefits that are classified as high-risk:
AI systems intended to be used by public authorities or on behalf of public authorities to evaluate the eligibility of natural persons for essential public assistance benefits and services, including healthcare services, as well as to grant, reduce, revoke , or reclaim such benefits and services;
AI systems intended to be used to evaluate the creditworthiness of natural persons or establish their credit score, with the exception of AI systems used for the purpose of detecting financial fraud;
AI systems intended to be used for risk assessment and pricing in relation to natural persons in the case of life and health insurance;
AI systems intended to evaluate and classify emergency calls by natural persons or to be used to dispatch, or to establish priority in the dispatching of, emergency first response services, including by police, firefighters and medical aid, as well as of e mergency healthcare patient triage systems.
While the AI Act does not define essential public and private services, Recital 58 AI Act explains that these should be understood as services and benefits that are necessary for people to fully participate in society or to improve their standard of living.