
Introducing Automated EHR Summarizer for truly accelerated underwriting
Fueling your digital evolution: Faster and smarter.
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It’s time for faster decision-making throughout the life insurance value chain.
With rising customer expectations, insurers need instant, cost-effective access to medical data relevant to insurance underwriting. Rooted in our track record of superior risk assessment, and Clareto’s leadership in digital health data, Munich Re Life US is leveraging data from Electronic Health Records (EHRs) in an industry-leading innovation.
Our Automated EHR Summarizer makes it easy to replace more costly data sources like blood and urine samples and attending physician statements, by making previously inaccessible data seamlessly available for quick–and more accurate–decisioning.

A next-gen digital solution for risk assessment
Automated EHR Summarizer optimizes EHRs for efficient use in underwriting and risk assessment. Normalizing EHR data directly from the source, our solution highlights core data points identified as essential by underwriters, and provides triage guidance. Automated EHR Summarizer delivers key information relevant for underwriting and highlighting risk factors in two available formats: an easy-to-review html report and structured digital data for use in a carrier’s own rules, models, and analytics.
Leading EHR innovation
Automated EHR Summarizer is the first product to deliver an intelligent and intuitive synopsis of EHR data in an accelerated setting.
Built for underwriters
An ideal data source for light-touch underwriting and post-issue review, Automated EHR Summarizer incorporates Munich Re Life US' extensive underwriting expertise.
More than a report–an unparalleled advantage
Pioneering technology for life insurance
Applies AI and NLP techniques to extract and structure data from EHRs for digital consumption
Efficiency born from experience
Decades of risk assessment leadership allows us to deliver the data underwriters need to make more accurate decisions
Exclusive triage guidance
The only EHR product that saves time by identifying clean data that can bypass human review
Native solution for EHRs
Developed with EHRs in mind while leveraging FHIR (Fast Healthcare Interoperability Resources)
Flexibility for automated underwriting
Built for use in rule engines, scoring models, and analytics, powering the shift to automated decisioning
Largest health data network
Source data from Clareto, a Munich Re company and leader in medical data for insurance with nationwide EHR+ network
Electronic Health Records - Reshaping the risk paradigm
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Faster forward
EHR adoption rates are rising faster than all other digital health data. Projected to be the leading source of medical data for underwriting in the future, the time to get comfortable using EHRs is now. You can easily implement Automated EHR Summarizer today, backed by the insurance experience and technology of Munich Re Life US and Clareto. Plus, future product evolutions are planned for continuous advancement. Connect with our expert team to get started.