Another area in which the use of AI systems deserves special consideration is the access to and enjoyment of certain  essential private and public services and benefits necessary for people to fully participate in society or to improve  one’s standard of living. In particular, natural persons applying for or receiving essential public assistance benefits  and services from public authorities namely healthcare services, social security benefits, social services providing  protection in cases such as maternity, illness, industrial accidents, dependency or old age and loss of employment  and social and housing assistance, are typically dependent on those benefits and services and in a vulnerable position  in relation to the responsible authorities. If AI systems are used for determining whether such benefits and services  should be granted, denied, reduced, revoked or reclaimed by authorities, including whether beneficiaries are  legitimately entitled to such benefits or services, those systems may have a significant impact on persons’ livelihood  and may infringe their fundamental rights, such as the right to social protection, non-discrimination, human dignity  or an effective remedy and should therefore be classified as high-risk. Nonetheless, this Regulation should not  hamper the development and use of innovative approaches in the public administration, which would stand to  benefit from a wider use of compliant and safe AI systems, provided that those systems do not entail a high risk to  legal and natural persons. In addition, AI systems used to evaluate the credit score or creditworthiness of natural  persons should be classified as high-risk AI systems, since they determine those persons’ access to financial resources  or essential services such as housing, electricity, and telecommunication services. AI systems used for those purposes  may lead to discrimination between persons or groups and may perpetuate historical patterns of discrimination,  such as that based on racial or ethnic origins, gender, disabilities, age or sexual orientation, or may create new forms  of discriminatory impacts. However, AI systems provided for by Union law for the purpose of detecting fraud in the  offering of financial services and for prudential purposes to calculate credit institutions’ and insurance undertakings’  capital requirements should not be considered to be high-risk under this Regulation. Moreover, AI systems intended  to be used for risk assessment and pricing in relation to natural persons for health and life insurance can also have  a significant impact on persons’ livelihood and if not duly designed, developed and used, can infringe their  fundamental rights and can lead to serious consequences for people’s life and health, including financial exclusion  and discrimination. Finally, AI systems used to evaluate and classify emergency calls by natural persons or to  dispatch or establish priority in the dispatching of emergency first response services, including by police, firefighters  and medical aid, as well as of emergency healthcare patient triage systems, should also be classified as high-risk since  they make decisions in very critical situations for the life and health of persons and their property.