The only source you’ll need for EHR-informed decisioning
EHR+ gives life insurers an advanced underwriting tool from the industry’s most trusted source.
covered lives in the EHR+ network
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The industry’s premier EHR solution
With EHR+, Clareto has developed a simple, secure, and cost-effective tool to streamline the life insurance application process. Using electronic health record data released by consumers at the point of application, EHR+ taps into the nation’s broadest base of data and best-in-class integration partners to help clients assess risk in a way that is frictionless for applicants.
Built with the needs of insurers, security of consumers, and dynamics of data providers in mind, EHR+ stands as the foremost source for accelerating risk assessment in the life space and the industry’s only open ecosystem offering solutions that enhance the electronic health record network.
Our EHR+ partner ecosystem
Most established network
Tap into the industry’s largest source of data through a single hub for EHR-driven risk assessment.
Enhanced usability
Access de-duplicated, normalized, and enriched algorithm-ready data from consolidated, standards-based records.
Smart, simple retrieval
Choose data parameters and preferred configuration—all with pay-as-you-go pricing and without any startup fees.
One product, with a range of use cases
When you become part of the EHR+ ecosystem, you gain access to a range of opportunities to streamline life, long-term care, and disability insurance underwriting, claims handling, and analytics.
Requirements replacement
Improve your customer experience while uncovering anti-selection more quickly and easily than exams and attending physician statements (APS).
Accelerated underwriting
Dramatically improve your mortality results and uncover anti-selection by adding EHR+ to your accelerated underwriting process.
Underwriting triage
Replace underwriting lead times and arduous age/amount requirements ordering with a targeted, applicant-specific underwriting path generated from EHR+ data.
Post-issue audit
Quickly and economically assess your accelerated underwriting decisioning by digitally accessing end-insured health and medical data with EHR+.
Claims adjudication
Save the long waits and high costs of traditional APS by accessing helpful and clarifying health and medical data delivered digitally.
Digital data repository
Improve your business intelligence by building your portfolio-based analytics with EHR+ underwriting data in a convenient digital format.
Data Network
Unrivaled data provider connections
Our data source relationships go back to EHR’s roots—and we’re bringing in more partners all the time.
Discover how others are utilizing EHR data to advance risk assessment.
Give EHR+ a spin
Consider how Clareto can help you