{"product_id":"ai-liv-sjukforsakring-fria-premiesattning-2027","title":"AI in Life and Health Insurance 2027 – FRIA, Pricing, and Human Oversight | Word\/PDF\/Excel","description":"\u003cp\u003e\u003cstrong\u003eFRIA for AI in life and health insurance – risk assessment, individual premium setting, and human oversight.\u003c\/strong\u003e The EU AI Act treats AI systems intended to assess individuals’ risks or price their life and health insurance as a specific use case in \u003cstrong\u003eAnnex III, point 5(c)\u003c\/strong\u003e. For relevant high-risk systems, \u003cstrong\u003eArticle 27\u003c\/strong\u003e means that private insurers in the role of users (deployers) must also assess the impact on fundamental rights – a \u003cem\u003eFRIA\u003c\/em\u003e. This is a specialized document package to structure that assessment before AI is put into use.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eQuick facts:\u003c\/strong\u003e 7 Word documents (DOCX), 7 corresponding searchable PDFs, and 1 Excel workbook with nine tabs = \u003cstrong\u003e15 files in a digital ZIP\u003c\/strong\u003e. Five work templates and a guide are in Swedish, plus a separate English user guide. The English guide does not mean that all Swedish forms are available in English translation. The PDF files are printable and searchable, but not electronically fillable forms.\u003c\/p\u003e\n\u003cdiv style=\"border:2px solid #7c9fbc;background:#eaf4fb;padding:20px;border-radius:8px;margin:18px 0\"\u003e\n\n\u003ch2 style=\"margin:0 0 8px\"\u003e01. Package contents\u003c\/h2\u003e\n\n\u003cp\u003e\u003cstrong\u003eFive separate Swedish work templates:\u003c\/strong\u003e AI high-risk classification, FRIA according to Article 27, GDPR\/health data\/DPIA, human oversight of AI-generated premiums, and implementation decisions with supplier documentation. Also included are a Swedish user guide, an English User Guide, and a structured Excel register with nine tabs. Each document is available in Word and PDF: 15 customer files in total in a ZIP.\u003c\/p\u003e\n\n\n\u003c\/div\u003e\n\u003cdiv style=\"border:2px solid #7c9fbc;background:#f4f9fd;padding:20px;border-radius:8px;margin:18px 0\"\u003e\n\n\u003ch2 style=\"margin:0 0 8px\"\u003e02. What the files contain\u003c\/h2\u003e\n\n\u003cp\u003ePractical control fields for the AI system’s intended function, insurance type, AI Act Annex III 5(c), supplier instructions, six areas of fundamental rights under Article 27.1(a–f), risks of unlawful discrimination, health data controls, Article 22, genuine human review, and a manual decision on pilot, completion, or stop. \u003cstrong\u003eExcel only shows the status of the supporting documentation – it never issues legal approval or calculates insurance premiums.\u003c\/strong\u003e\u003c\/p\u003e\n\n\n\u003c\/div\u003e\n\u003ch2\u003eWho is the FRIA package intended for?\u003c\/h2\u003e\n\u003cp\u003eSwedish life and health insurers, risk and product managers, insurance actuaries, legal and compliance functions, data protection officers, AI officers, and procurement\/supplier officers who want to prepare and document AI systems for individual risk assessment or premium setting.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eExample 1:\u003c\/strong\u003e An AI system uses individual risk data to propose life insurance premiums or determine underwriting conditions. \u003cstrong\u003eExample 2:\u003c\/strong\u003e A premium is increased after a model version change, and the business wants to test the possibility of a human explanation and correction. \u003cstrong\u003eExample 3:\u003c\/strong\u003e An insurer needs to assess whether health data and potential automated risk assessment comply with GDPR, alongside an FRIA.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eThis is not included:\u003c\/strong\u003e insurance terms and conditions, ready-made individual insurance decisions, actuarial premium formulas, technical AI certification, full legal opinions, or formal notification to an authority. The package is not intended to store actual health data or individual customer premiums.\u003c\/p\u003e\n\u003ch2\u003eExactly what is included – document by document\u003c\/h2\u003e\u003cdiv style=\"overflow-x:auto\"\u003e\u003ctable style=\"width:100%;min-width:710px;border-collapse:collapse\"\u003e\n\n\u003cthead\u003e\u003ctr style=\"background:#dbeaf6\"\u003e\n\n\u003cth\u003eNo.\u003c\/th\u003e\n\n\u003cth\u003eDocument\u003c\/th\u003e\n\n\u003cth\u003ePractical function\u003c\/th\u003e\n\n\u003cth\u003eLanguage\u003c\/th\u003e\n\n\u003cth\u003eFormat\u003c\/th\u003e\n\n\n\u003c\/tr\u003e\u003c\/thead\u003e\n\n\u003ctbody\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003e01\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eAI systems and high-risk classification\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eAssess Annex III point 5(c), Article 6, and the boundary with claims handling\/product design.\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eSwedish\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003e02\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eFRIA – life and health insurance\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eDocument the six elements of Article 27.1 a–f, groups, risks, and measures.\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eSwedish\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003e03\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eGDPR, health data, and automated decisions\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eSeparate assessment of Article 6, Article 9, Article 22, and the need for a DPIA.\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eSwedish\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003e04\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eHuman oversight and fair premium setting\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eTest incorrect data sources, proxy variables, premium changes, and review.\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eSwedish\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003e05\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eSupplier and implementation decision\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eDocumentation, official FRIA notification when relevant, risk barrier, and change tracking.\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eSwedish\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003e06\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eUser Guide SV\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eStep-by-step workflow, fictitious scenarios, boundaries, and sources.\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eSwedish\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003e07\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eEnglish User Guide\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eUsage instructions for the Swedish operational documents and Excel.\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eEnglish\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003e08\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eFRIA register\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eNine Excel tabs for systems, classification, groups, rights, controls, and decisions.\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eSwedish\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #d2e0eb;vertical-align:top\"\u003eXLSX\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\n\u003c\/tbody\u003e\n\n\n\u003c\/table\u003e\u003c\/div\u003e\n\u003ch2\u003eExcel with nine tabs\u003c\/h2\u003e\n\u003cp\u003e\u003cstrong\u003eStart, System, Classification, FRIA Process, Affected Groups, Rights Risks, Human Oversight, GDPR-DPIA, and Decisions \u0026amp; Sources.\u003c\/strong\u003e The workbook helps the insurer link models, risks, controls, measures, and sources with secure internal case and evidence references. Control formulas mark \u003cem\u003eMissing documentation\u003c\/em\u003e or \u003cem\u003eDocumentation registered – MANUAL REVIEW\u003c\/em\u003e, never that the law is met. The customer file is empty and contains no policyholder data or test data.\u003c\/p\u003e\n\u003ch2\u003eEU AI Act – high risk for certain insurance models\u003c\/h2\u003e\n\u003cp\u003eAccording to the \u003ca href=\"https:\/\/ai-act-service-desk.ec.europa.eu\/en\/essential-services\"\u003eEuropean Commission’s guidance on essential services\u003c\/a\u003e, Annex III point \u003cstrong\u003e5(c)\u003c\/strong\u003e covers certain AI systems intended for risk assessment and pricing of natural persons in life and health insurance. Classification is based on the actual purpose and Article 6, including an assessment of applicable exemptions and potential personal profiling. \u003cstrong\u003eClaims handling after an insurance claim or general product design without individual risk pricing does not automatically fall under this use case.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eDate:\u003c\/strong\u003e For high-risk systems under Article 6.2 and Annex III, the relevant rules in Chapter III, Sections 1–3, will apply from \u003cstrong\u003e2 December 2027\u003c\/strong\u003e according to \u003ca href=\"https:\/\/eur-lex.europa.eu\/eli\/reg\/2026\/1744\/oj\"\u003eRegulation (EU) 2026\/1744\u003c\/a\u003e. For systems already put into use, special transitional provisions apply, including Article 111. Rules that apply from earlier dates are not automatically affected by the later date.\u003c\/p\u003e\n\u003ch2\u003eFRIA – six fundamental rights elements under Article 27\u003c\/h2\u003e\n\u003cp\u003e\u003ca href=\"https:\/\/ai-act-service-desk.ec.europa.eu\/en\/ai-act\/article-27\"\u003eArticle 27\u003c\/a\u003e requires affected users of high-risk AI, including Annex III 5(c), to assess \u003cstrong\u003e(a)\u003c\/strong\u003e the business process where the system is used, \u003cstrong\u003e(b)\u003c\/strong\u003e the period and frequency, \u003cstrong\u003e(c)\u003c\/strong\u003e the affected persons and groups, \u003cstrong\u003e(d)\u003c\/strong\u003e the risks to harm and fundamental rights, \u003cstrong\u003e(e)\u003c\/strong\u003e human oversight, and \u003cstrong\u003e(f)\u003c\/strong\u003e measures, internal governance, and complaints when risks materialize.\u003c\/p\u003e\n\u003cp\u003eArticle 27 also contains rules on updates and a notification of the FRIA result to the competent market surveillance authority using the prescribed questionnaire when the obligation applies, with certain exceptions. \u003cstrong\u003eThis product contains internal preparation and documentation – not an official submission form.\u003c\/strong\u003e\u003c\/p\u003e\n\u003ch2\u003eGDPR already applies: health data, DPIA, and automated decisions\u003c\/h2\u003e\n\u003cp\u003e\u003cstrong\u003eHealth data are special categories of personal data.\u003c\/strong\u003e GDPR requires a suitable legal basis under Article 6 and a separate permitted situation under Article 9 when such data are used. Article 22 covers certain decisions based solely on automated processing that produce legal or similarly significant effects. A signature from a human processor is not automatically evidence of meaningful human decision-making control. \u003ca href=\"https:\/\/www.imy.se\/verksamhet\/dataskydd\/innovationsportalen\/vagledning-om-gdpr-och-ai\/gdpr-och-ai\/automatiserat-beslutsfattande\/\"\u003eIMY explains the boundary\u003c\/a\u003e. Assess separately whether a data protection impact assessment under GDPR Article 35 (DPIA) is required. FRIA and DPIA can be cross-referenced where Article 27.4 allows, but they are different legal obligations.\u003c\/p\u003e\n\u003ch2\u003eSix-step workflow\u003c\/h2\u003e\n\u003col\u003e\n\n\u003cli\u003eMap the model, supplier, insurance product, and whether AI affects individuals’ risk assessment or premiums.\u003c\/li\u003e\n\n\u003cli\u003eDocument the legal assessment of Annex III 5(c), Article 6, legacy systems, and applicability dates.\u003c\/li\u003e\n\n\u003cli\u003ePerform the FRIA under Article 27(a–f) and identify concrete risks to equal treatment, access to protection, and privacy.\u003c\/li\u003e\n\n\u003cli\u003eAssess GDPR Articles 6, 9, 22, and 35 separately, with the appropriate legal officer and data protection officer.\u003c\/li\u003e\n\n\u003cli\u003eTest genuine human oversight with fictitious cases involving an incorrect data source, proxy variable, or unclear premium change.\u003c\/li\u003e\n\n\u003cli\u003eMake a manual pilot\/stop decision, check any authority notification through the official channel, and follow up on changes.\u003c\/li\u003e\n\n\n\u003c\/ol\u003e\n\u003ch2\u003eFrequently asked questions\u003c\/h2\u003e\n\u003ch3\u003eIs all AI in the insurance industry high-risk?\u003c\/h3\u003e\u003cp\u003eNo. Annex III 5(c) applies to certain AI systems for risk assessment and pricing in life and health insurance. Claims handling and general product design are not automatically classified in the same way.\u003c\/p\u003e\n\u003ch3\u003eMust private insurance companies conduct an FRIA?\u003c\/h3\u003e\u003cp\u003eArticle 27 expressly covers users of high-risk AI under Annex III points 5(b) and 5(c), not just public organizations. Assess whether the system and its use truly fall within the provision.\u003c\/p\u003e\n\u003ch3\u003eWhen do the relevant AI Act high-risk requirements apply?\u003c\/h3\u003e\u003cp\u003e2 December 2027 for Annex III systems under Amending Regulation 2026\/1744, with special transitional rules. Separate GDPR requirements may already apply.\u003c\/p\u003e\n\u003ch3\u003eIs a GDPR-DPIA the same as an FRIA?\u003c\/h3\u003e\u003cp\u003eNo. A DPIA assesses the protection of personal data processing under GDPR Article 35. An FRIA assesses the impact on fundamental rights under AI Act Article 27. References between them can be used where applicable.\u003c\/p\u003e\n\u003ch3\u003eCan Excel automatically perform a GDPR or FRIA assessment?\u003c\/h3\u003e\u003cp\u003eNo. The register only checks whether fields are filled in and is used to collect internal evidence references. It does not calculate premiums, review medical data, or issue legal approvals.\u003c\/p\u003e\n\u003ch3\u003eCan customers’ health data be entered into Excel?\u003c\/h3\u003e\u003cp\u003eNo. Use pseudonymous internal system and evidence IDs without personal identity numbers, actual health status, or individual premiums. Such data requires specially secure and lawful processing in intended systems.\u003c\/p\u003e\n\u003ch3\u003eAre the PDF files electronically fillable, and are all templates available in English?\u003c\/h3\u003e\u003cp\u003eThe PDF files are searchable and printable but not electronically fillable. The Word files are editable. The work templates are in Swedish; a separate English user guide is included.\u003c\/p\u003e\n\u003ch2\u003eRelated document templates from the Template Store\u003c\/h2\u003e\n\u003cp\u003eFor general AI governance, see the \u003ca href=\"\/en\/products\/ai-governance-paket-ai-act-compliance-2026\"\u003eAI Governance Package\u003c\/a\u003e. For the independent data protection impact assessment, see \u003ca href=\"\/en\/products\/dpia-konsekvensbedomning-gdpr-mallpaket-2026\"\u003eDPIA \/ GDPR Impact Assessment\u003c\/a\u003e. For other industry-specific FRIA needs, see our templates for \u003ca href=\"\/en\/products\/ai-socialtjanst-fria-ekonomiskt-bistand-2027\"\u003eAI in social services\u003c\/a\u003e and \u003ca href=\"\/en\/products\/ai-elevbedomning-skolan-lararkontroll-2027\"\u003eAI in schools\u003c\/a\u003e. This product, however, is specifically for life\/health insurance risk assessment and premium effects.\u003c\/p\u003e\n\u003ch2\u003eSources and responsibility\u003c\/h2\u003e\n\u003cp\u003e\u003ca href=\"https:\/\/eur-lex.europa.eu\/legal-content\/SV\/TXT\/?uri=CELEX:02024R1689-20260727\"\u003eConsolidated AI Act (EU) 2024\/1689\u003c\/a\u003e, \u003ca href=\"https:\/\/eur-lex.europa.eu\/eli\/reg\/2026\/1744\/oj\"\u003eAmending Regulation (EU) 2026\/1744\u003c\/a\u003e, \u003ca href=\"https:\/\/ai-act-service-desk.ec.europa.eu\/en\/essential-services\"\u003eEuropean Commission examples for life\/health insurance\u003c\/a\u003e, \u003ca href=\"https:\/\/ai-act-service-desk.ec.europa.eu\/en\/ai-act\/article-27\"\u003eArticle 27\u003c\/a\u003e, \u003ca href=\"https:\/\/eur-lex.europa.eu\/eli\/reg\/2016\/679\/oj\"\u003eGDPR\u003c\/a\u003e, and \u003ca href=\"https:\/\/www.imy.se\/verksamhet\/dataskydd\/innovationsportalen\/vagledning-om-gdpr-och-ai\/gdpr-och-ai\/automatiserat-beslutsfattande\/\"\u003eIMY guidance\u003c\/a\u003e.\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003eVersion 1.0. Legal sources checked 12 November 2026 with AI assistance.\u003c\/strong\u003e No independent lawyer has approved the product. No documents constitute official forms, actuarial decisions, insurance terms and conditions, or evidence of regulatory compliance. The product is delivered as a digital ZIP after being separately published and linked by the store administrator.\u003c\/p\u003e","brand":"Svenska Dokumentmallar","offers":[{"title":"Default Title","offer_id":56593627742550,"sku":"AI-INS-FRIA-2027-V1","price":79.0,"currency_code":"SEK","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0827\/2373\/3846\/files\/01_fria_forsakring_huvudbild_1600.png?v=1794479172","url":"https:\/\/mallbutiken.se\/en\/products\/ai-liv-sjukforsakring-fria-premiesattning-2027","provider":"Mallbutiken","version":"1.0","type":"link"}