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About Clareto

Clareto is a digital health and insurtech company that seeks to commercialize use cases and pursue market opportunities, with an initial focus on modernizing life insurance underwriting. The company was founded in 2000 and is based in Richmond, VA. On April 12th, 2022, Clareto was acquired by Munich Re. Terms of the transaction were not disclosed.

Headquarters Location

3005 W. Marshall Street

Richmond, Virginia, 23230,

United States


Clareto's Products & Differentiators

    Core Clareto Service

    Aggregation of electronic health data from various sources


Research containing Clareto

Get data-driven expert analysis from the CB Insights Intelligence Unit.

CB Insights Intelligence Analysts have mentioned Clareto in 3 CB Insights research briefs, most recently on Nov 10, 2023.

Expert Collections containing Clareto

Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.

Clareto is included in 4 Expert Collections, including Insurtech.



3,038 items

Companies and startups that use of technology to improve core and ancillary insurance operations. Companies in this collection are creating new product architectures, improving underwriting models, accelerating claims and creating a better customer experience


Value-Based Care & Population Health

1,259 items

The VBC & Population Health collection includes companies that enable and deliver care models that address the health needs for defining populations along the continuum of care, including in the community setting, through participation, engagement, and targeted interventions.



8,123 items

Companies and startups in this collection provide technology to streamline, improve, and transform financial services, products, and operations for individuals and businesses.


Digital Health

10,585 items

The digital health collection includes vendors developing software, platforms, sensor & robotic hardware, health data infrastructure, and tech-enabled services in healthcare. The list excludes pureplay pharma/biopharma, sequencing instruments, gene editing, and assistive tech.

Latest Clareto News and Clareto announce partnership to provide easy access to oral health data for the life insurance industry

Nov 1, 2023

News Provided By Share This Article By plugging into the EHR+ network, life insurers will have access to additional risk profiling capabilities that complement our EHR, HIE, and other digital health data” — Dave Dorans, CEO of Clareto SAN JOSE, CALIFORNIA, UNITED STATES, November 1, 2023 / / -- This collaboration will provide life insurers with data delivered in real-time that has a proven ability to increase lift in the detection of pre-existing habits and conditions like tobacco use, diabetes and high blood pressure relative to traditional life underwriting data sources. and Clareto, a Munich Re company, are pleased to announce their new partnership to offer’s 14 oral health indicators through Clareto’s EHR+ network. Through this partnership, Clareto adds oral health data to its expansive suite of EHR, HIE, and other digital health data sources covering >70% of the US population. Clareto is revolutionizing life insurance underwriting by enabling frictionless access to electronic health information via a full-featured web portal and configurable APIs, as well as pre-built integrations with leading digital underwriting platforms. " has meticulously crafted tobacco and oral health indicators, subjecting them to comprehensive retrospective studies alongside leading insurance carriers and reinsurers. Collaborating with the pioneering Clareto, we are thrilled to translate years of dedicated research and development into practical solutions for the life insurance sector," said Vijay Sikka, founder and CEO of boasts one of the most extensive networks of dental practice installations and 139 million dental patients across the United States and Canada. Over the past six years, has developed and validated its 14 oral health indicators, conducting 20 retrospective studies involving over 9 million life insurance applicants and policyholders in collaboration with US and Canadian carriers, reinsurers, and data providers.’s data science team has developed indicators for tobacco use, diabetes, cancer, hyperlipidemia, cardiovascular disease, hypertension, kidney disease, blood disorder, liver disease, marijuana use, sleep apnea, Alzheimer's, COVID, and periodontal disease. Multiple studies have validated both the protective value and lift in identifying conditions provided by’s data versus other data sources, and through Clareto,’s Oral Health Indicators will be available in real-time for automated and accelerated underwriting. "'s oral health data fills an important gap in the life insurance industry, offering improved coverage on younger applicants and a new tool for identifying misrepresentation of smoking status and tobacco use. By plugging into the EHR+ network, life insurers will have access to additional risk profiling capabilities that complement our EHR, HIE, and other digital health data," said Dave Dorans, CEO of Clareto.’s oral health data serves as a substantial contribution to Clareto’s impressive offering of traditional and digital data sources for the life insurance industry, providing their partners with a comprehensive portfolio of data products to serve their underwriting needs. This integration is expected to be completed and available to Clareto clients by the end of 2023. About Clareto Clareto, a Munich Re company, operates the largest interoperability network purpose-built for risk assessment via authorization-based disclosures. With connections to EHR developers, HIEs, and other sources covering >70% of the US population, Clareto enables access to digital health data to transform underwriting, claims, and other business processes for the life insurance industry. The company’s EHR+ network offers a frictionless experience with no consumer involvement required, smart record retrieval to maximize protective value, algorithm-ready data for enhanced usability, and an open partner ecosystem featuring integrations with complementary solutions and services. Clareto is a wholly owned subsidiary of Munich Re Life US, one of the leading life reinsurers in the United States. Through its partnership with Munich Re Life US, Clareto aims to provide life insurers with a new set of solutions that assist in the digitization of underwriting processes—therefore driving quicker decisions, greater policyholder satisfaction, and new business growth. About is optimizing the business of healthcare, payments, and life insurance. has 14 indicators for accelerated underwriting in addition to the Life Expectancy at Current Age ™ and Periodontal Disease to Mortality ™ scores. is an award-winning single API cloud platform with Artificial Intelligence and Predictive Analytics. The company has over 35,000 practice installations in the US and Canada and over 139 million patients on its platform. The real-time API Platform connects to 90% of the retail healthcare market’s practice management and financial systems. has grown its data-driven Insights business (including Life Insurance) by over 100% in 2022 and is currently in production with its real-time API feed with several life insurance carriers. Brian Wu

Clareto Frequently Asked Questions (FAQ)

  • When was Clareto founded?

    Clareto was founded in 2000.

  • Where is Clareto's headquarters?

    Clareto's headquarters is located at 3005 W. Marshall Street, Richmond.

  • What is Clareto's latest funding round?

    Clareto's latest funding round is Acquired.

  • How much did Clareto raise?

    Clareto raised a total of $5.28M.

  • Who are the investors of Clareto?

    Investors of Clareto include Munich Re, Paycheck Protection Program, NRV and Health Catalyst Capital Management.

  • Who are Clareto's competitors?

    Competitors of Clareto include Human API and 2 more.

  • What products does Clareto offer?

    Clareto's products include Core Clareto Service and 2 more.


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