Munich Re Life US and Clareto Launch Automated EHR Summarizer

The solution, launched at a time when EHRs are poised to replace the attending physician statement as the leading source of medical data for underwriting, provides  an intelligent synopsis of electronic health record data.

(Image source: Munich Re Life US website.)

Munich Re Life US (New York) and Clareto (Richmond, Va.) have announced a new digital solution, Automated EHR Summarizer, designed to provide an intelligent and intuitive synopsis of electronic health record (EHR) data in two formats: an easy-to-use human-readable html report and structured digital data for use in rules, models and analytics.

June Quah, VP, Integrated Analytics, Munich Re North America Life.

Automated EHR Summarizer extracts and normalizes EHR data directly from the source, highlights key points essential to underwriters and provides triage guidance, according to a statement from Munich Re Life US. Reducing the burden of manual review of lengthy EHRs, it paves the way for a more streamlined and accurate picture of projected health trajectories in accelerated underwriting programs and is ideal for use in post-issue audit and light-touch underwriting, the company’s statement says.

“Automated EHR Summarizer helps life insurance carriers further align with customer expectations by enabling fast and accurate decision-making,” comments June Quah, VP, Integrated Analytics, Munich Re North America Life. “This product leverages our leadership in risk assessment, technical expertise in data analytics—including artificial intelligence and natural language processing techniques–and access to an unparalleled EHR network to push the boundaries of digital transformation in the industry.”

“We believe this product will accelerate the adoption of EHRs and further streamline underwriting, benefiting both customers and carriers,” says Dave Dorans, CEO, Clareto, a Munich Re company and pioneer in digital health data. “With EHRs replacing more onerous and costly data sources, and Automated EHR Summarizer simplifying their use, we are bridging the gap between access to digital medical records and their practical use in the industry.”

Key advantages of Automated EHR Summarizer include the following as described in the Munich Re Life US statement:

Dave Dorans, CEO, Clareto.

Superior technology, built for life insurance: Automated EHR Summarizer applies artificial intelligence and natural language processing techniques to extract and structure EHR data for digital consumption in formats relevant to both automated and programmatic life insurance underwriting.

Underwriting expertise: Munich Re’s track record in superior risk assessment allows Automated EHR Summarizer to distill and deliver only the data that underwriters need for accurate decisioning, alleviating the need to sift through lengthy EHRs.

Exclusive triage guidance: No other EHR product on the market provides triage guidance. Automated EHR Summarizer identifies clean EHR data that can bypass human review and save time.

Native solution for EHRs: Automated EHR Summarizer was developed with EHRs in mind and uses fast healthcare interoperability resources (FHIR), the new interoperability standard for electronic health data mandated for use.

Flexibility for programmatic underwriting: As the industry shifts to automated decisioning, Automated EHR Summarizer is optimized for use in rule engines and scoring models.

Largest health data network: Source data exclusively from Clareto, the industry’s most established network of EHR data. Clareto’s EHR+ network currently covers over 240 million patients in 50 states and is continually expanding.

Munich Re Life US asserts that, with adoption rates rising faster than any other digital health data, EHRs are poised to replace the attending physician statement as the leading source of medical data for underwriting in the future.

“Our team is investing in the future of the life insurance industry by using traditional and emerging data sources, AI and machine learning algorithms to develop solutions that increase capacity and accuracy and ultimately can help bridge the insurance gap, adds Munich Re Life US’s Quah. “We will expand this product to include model scores and full risk class assessments based on EHR data points via alitheia, our instant decisioning platform.”

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Anthony R. O’Donnell // Anthony O'Donnell is Executive Editor of Insurance Innovation Reporter. For nearly two decades, he has been an observer and commentator on the use of information technology in the insurance industry, following industry trends and writing about the use of IT across all sectors of the insurance industry. He can be reached at or (503) 936-2803.

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