# Clareto — Profile & Review | Medrecords AI

> Clareto is a insurance underwriting & payer chart review operating in the medical-record review and IME ecosystem. Health information exchange providing medical record retrieval services to the life insurance industry (APS/EHR retrieval)

Canonical page: https://medrecords.ai/ime-hub/software/clareto/

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## What it does

Health information exchange providing medical record retrieval services to the life insurance industry (APS/EHR retrieval)

## Evaluation criteria

| Criteria | Detail |
|---|---|
| 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 |

## 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 in v1. Cited public reviews are listed in Sources; MedRecords 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/)

## Key facts

- **Segment:** Insurance Underwriting & Payer Chart Review
- **Website:** [Not published as standalone site post-acquisition (previously clareto.com)](https://Not published as standalone site post-acquisition (previously clareto.com))
- **Founded:** Not published
- **HQ:** Not published
- **Headcount:** Not published
- **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
- **Pricing:** Not published
- **Turnaround:** Not published
- **Certifications:** Not published

## Sources

- [Source](https://coverager.com/mib-acquires-clareto/)
- [Clareto website](https://Not published as standalone site post-acquisition (previously clareto.com))
- [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/)

Last verified: 2026-08-15