# Clareto — profile, pricing & turnaround > Clareto in the Insurance Underwriting & Payer Chart Review segment. 6 of 8 rubric fields published. No public reviews found at capture. Canonical page: https://medrecords.ai/content-hub/software/clareto/ --- [Content Hub](https://medrecords.ai/content-hub/) › Software & Platforms CL ## Clareto — Profile & Assessment Clareto operates in the medical-record review ecosystem, within the Insurance Underwriting & Payer Chart Review segment. This profile records what the company publishes about its services, maps those claims to the Content Hub evaluation rubric, and cites every source behind them. 9 of 17 facts are confirmed from 4 public sources; unpublished fields are marked, never estimated. 4 sections·4 sources·Verified 2026-08-21 ✓ Disclosure 9/17 facts 01 ### What it does Clareto publishes 1 service line: Health information exchange providing medical record retrieval services to the life insurance industry (APS/EHR retrieval). Everything above is drawn from the 4 public sources cited at the foot of this page. Fields the company does not publish are marked as unpublished below rather than estimated. 02 ### Evaluation criteria Disclosure across the hub — 318 vendors profiled Bar chart of published rubric fields across 318 profiled vendors. Clareto sits at 6 of 8; the median is 5. Clareto publishes **6 of the 8** fields in the rubric. Across the 318 vendors profiled in this hub the median is 5. 22 of the 318 publish more; 55 publish exactly as many. Content Hub rubric — 6 of 8 published ○ Processing model Not published as standalone entity (Clareto was acquired; clareto.com now redirects to MIB Group's EMD/RiskRighter product) ✓ Human QA Included (successor MIB "RiskRighter" offers human-prepared EHR summaries) ✓ Typical turnaround Successor product states majority of records released in under a day, "90% faster than the average traditional APS" ○ Pricing model Not published for Clareto specifically ✓ Indicative cost Successor product claims ~50% average per-record savings vs. traditional APS retrieval ✓ Export formats Successor product supports PDF, HTML, XML, JSON (Medical Data Consolidation service) ✓ Best for Life insurance underwriting requiring rapid multi-source medical record consolidation ✓ Customer satisfaction No public reviews found 03 ### Profile notes Who it serves Life insurance underwriting Claims & platform notes Health information exchange / EHR connectivity platform (specific platform name not published) Review summary Not independently rated by Medrecords AI. Cited public reviews are listed under Sources; Medrecords AI assigns no star rating without verified evidence. Competitive coverage [Top 5 Medical Chronology Platforms [2026 Review]](https://www.intelligenthq.com/top-5-medical-chronology-platforms-2026-review/) 04 ### What to confirm before you sign Clareto publishes 6 of the 8 fields in the Content Hub rubric. Across the 19 Insurance Underwriting & Payer Chart Review vendors profiled here, the median is 4 of 8. The gaps below are not marks against the vendor — most of this industry quotes on request. They are simply the questions you still have to ask, and the answers are worth getting in writing before a file changes hands. 1. How do you charge — per page, per file, per hour, or per seat? Get the unit before you scope a pilot. A per-hour or per-seat quote and a per-page quote behave very differently once a file runs past 1,000 pages. Pricing model — 84% of Insurance Underwriting & Payer Chart Review vendors leave this unpublished[Ours: flat per page, no seats, no subscription](https://medrecords.ai/plans/self-service/?src=content-hub-clareto) 2. Which parts of this are done by software, and which by people? Ask for the split step by step. "AI-assisted" and "human-reviewed" each cover a very wide range of how much review actually happens. Processing model — 47% of Insurance Underwriting & Payer Chart Review vendors leave this unpublished[Ours: AI drafts, a human decides](https://medrecords.ai/product/citations/?src=content-hub-clareto) 3. Where do the records live, and who signs the BAA? Protected health information is going to leave your office. Ask which entity holds it, in which country, and who is on the hook if it leaks. Every vendor[Ours: HIPAA-eligible cloud under our own BAA](https://medrecords.ai/hipaa/?src=content-hub-clareto) 4. Is my data used to train a model? Ask for the answer in the contract rather than the sales call, and check whether it also binds their subprocessors. Every vendor[Ours: never trains a model](https://medrecords.ai/security/?src=content-hub-clareto) ### Key facts | Segment | Insurance Underwriting & Payer Chart Review | | --- | --- | | Website | No standalone site since the acquisition; previously clareto.com. | | Ownership | Acquired by Munich Re Life US in 2022 (from prior independent/investor ownership); subsequently acquired by MIB Group from Munich Re, announced ~May 2025 | | Not published | Founded — HQ — Headcount — Pricing — Turnaround — Certifications | ### Sources - [Source](https://coverager.com/mib-acquires-clareto/) - [MIB Group EMD/EHR Service page (Clareto successor)](https://www.mibgroup.com/solutions/emd/) - [IntelligentHQ: Top 5 Medical Chronology Platforms [2026 Review]](https://www.intelligenthq.com/top-5-medical-chronology-platforms-2026-review/) Medrecords AI Every line cited back to its page. Send one real record set. We return a cited chronology you can check line by line, and a human decides what it means. [Test on a file](https://medrecords.ai/test-a-file/?src=content-hub-clareto) [Book a demo](https://medrecords.ai/demo/?src=content-hub-clareto) ### How Medrecords AI does this work Medrecords AI does this category of work as software. The record is sorted, deduplicated and read in minutes, every statement cited back to its page, and a qualified human signs off on what it means. [Solution — **Life & disability underwriting** — Attending-physician statements condensed for the decision in front of you. Read more →](https://medrecords.ai/solutions/life-disability-underwriting/?src=content-hub-clareto) [Solution — **APS medical summary** — Treating records reduced to a concise, cited summary. AI never scores risk. Read more →](https://medrecords.ai/solutions/aps-medical-summary/?src=content-hub-clareto) [Product — **Billing summary** — Billing and coding data extracted into a reviewable ledger. Read more →](https://medrecords.ai/product/medical-billing-summary/?src=content-hub-clareto) Test it on a file you already have. Send one real record set. You get back a cited chronology and decide for yourself whether the read holds up — no obligation either way. [Test a file](https://medrecords.ai/test-a-file/?src=content-hub-clareto) [Book a demo](https://medrecords.ai/demo/?src=content-hub-clareto) ### Explore the Content Hub [ #### Software & platforms AI and case-management platforms across medical-record review. ](https://medrecords.ai/content-hub/software/) [ #### Service providers & BPOs IME, peer review, retrieval, and BPO providers. ](https://medrecords.ai/content-hub/services/) [ #### State programs Rules, AMA Guides edition, and MMI standards by state. ](https://medrecords.ai/content-hub/states/) [ #### Comparisons Head-to-head vendor and program comparisons. ](https://medrecords.ai/content-hub/compare/) [ #### Guides Editorial reference on report writing, MMI, and validity testing. ](https://medrecords.ai/content-hub/guides/) [ #### Conferences & events Workers' comp, claims, and IME conferences with editorial takes. ](https://medrecords.ai/content-hub/events/) [ #### Directories Link-out rosters of examiners, LNCs, and expert witnesses. ](https://medrecords.ai/content-hub/directory/) [ #### State matrix report All 10 verified state programs, side by side. ](https://medrecords.ai/content-hub/reports/ime-state-matrix-2026/) [ #### Content Hub home The full index of everything in the hub. ](https://medrecords.ai/content-hub/) Medrecords AI ### Minutes per file. Every line cited. 10¢ a page. Bring the hardest file from this page. Get a cited chronology and a report draft in minutes — every line traced to its source page, ready for your review and signature. - Minutes per file, not days - Every line cited to its source page - Flat 10¢/page, duplicates free — no license, no minimums - HIPAA-eligible · SOC 2 audit-ready [Test on a file](https://medrecords.ai/test-a-file/?src=content-hub-clareto) [Book a demo](https://medrecords.ai/demo/) See how Medrecords AI compares with anything on this page — over a 30-minute call, side by side. Last verified: 2026-08-15