Clareto

Clareto, operates the largest healthcare interoperability network purpose-built for superior risk assessment via authorization-based disclosures. With connections to EHRs, HIEs, and other sources covering >70% of the US population, Clareto enables access to digital health data to transform underwriting, claims, and other business processes for the life insurance industry. The company's EHR+ network offers a frictionless experience with no consumer involvement required, smart record retrieval to maximize protective value, algorithm-ready data for enhanced usability, and an open partner ecosystem featuring integrations with complementary solutions and services. Clareto is a subsidiary of MIB. Through its partnership with MIB and Munich Re Life US (part of Munich Re Group and a leader in risk assessment and reinsurance), Clareto aims to provide life insurers with a new set of solutions that assist in the digitization of underwriting processes -- driving quicker decisions, greater policyholder satisfaction, and new business growth.