Clareto Announces Partnerships with and CareEvolution

Our newest health data partner

We’re excited to announce a recent agreement to add to the EHR+ network. covers an estimated 139 million patients in the United States and Canada via an extensive network of dental practice installations. The company offers 14 oral health indicators for tobacco use, marijuana use, diabetes, cancer, cardiovascular disease, hyperlipidemia, hypertension,blood disorders, kidney disease, liver disease, periodontal disease, sleep apnea, Alzheimer’s disease, and COVID.

Our integration with, featuring real-time data retrieval, is expected to be completed later this quarter. To learn more, see Munich Re’s assessment of’s tobacco use indicator as a tool for detecting misrepresentation of smoking status.

Our newest ecosystem partner

We’re building the life insurance industry’s only open partner ecosystem, featuring integrations with best-in-class solutions that enhance the EHR+ network. Today, we’re pleased to announce the latest addition to this ecosystem — CareEvolution. Through this partnership, our clients will have the option to use CareEvolution’s Convert API to automate the transformation of EHR, HIE, and other digital health data into aggregated, standardized, and enriched records that support both traditional underwriting, as well as more complex requirements for automation, data science, and analytics.

Additional offerings available to our clients via the EHR+ partner ecosystem include:

About Clareto

Clareto, a Munich Re company, 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 wholly owned subsidiary of Munich Re Life US, one of the leading life reinsurers in the United States. Through its partnership with Munich Re Life US, 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.

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