No — that is the whole point when you’re handling sensitive health and financial records. Your documents are opened, rendered with pdfjs, masked by flattening and merged with pdf-lib entirely on your device, with no server, no API and no CDN call for your files; the page even works offline once cached. Nothing is sent, logged or stored. That is exactly why you should never use a random online “merge documents” site for a medical claim — those upload your bills, reports, ID and bank details to a stranger’s server. Here, only the merged PDF or ZIP you choose to export leaves the page, and closing the tab discards everything; your sensitive health & financial data stays on your device.

A typical health insurance claim needs the signed claim form, a copy of the policy / health card, photo ID & KYC proof of the patient / policyholder (PAN is often mandatory for the payout), the treating doctor’s prescription / consultation notes, diagnostic (lab and imaging) reports supporting the diagnosis, itemised hospital bills and payment receipts, the hospital discharge summary for an in-patient stay, and pharmacy bills. A reimbursement claim (where you paid the hospital and claim it back) usually also requires the ORIGINAL bills and a cancelled cheque / bank details so the approved amount can be paid out; a cashless claim at a network hospital adds the pre-authorisation request form the hospital’s insurance desk submits to the TPA before or at admission (plus the authorisation letter once approved); OPD / day-care claims centre on the prescription, reports and bills; and accident claims may also need an FIR / Medico-Legal Certificate. The exact required documents, forms, originals and timelines vary by insurer / TPA, plan and claim, so always follow your own policy’s specific claim process. This tool gives you a checklist per claim type to organize against, but it is general guidance, not your insurer’s official list.

Yes. Many insurers and TPAs prefer all your supporting documents in a single, ordered file. Upload your claim form, policy / health card, ID, prescription, diagnostic reports, hospital bills, receipts, discharge summary and pharmacy bills (images or PDFs), arrange them with the up/down arrows, set the patient / policyholder name and the policy / claim number, and export one merged PDF that starts with an auto-generated cover/index page listing every document. If you instead need each file separately, export the ZIP, which contains each document flattened (masks baked in) on its own. Both are built entirely in your browser, so nothing is uploaded. Note that insurers very often still need the ORIGINAL physical bills as well, so check your policy and keep copies of everything you submit.

No — the tool prepares and packages your documents only. It does not submit your claim to the insurer or TPA, does not process or settle it, does not calculate any amount, and does not approve or decide what is covered. Every insurer and TPA has a specific claim form, document list and timeline, and requirements vary by plan, claim type and treatment, so you must follow your own policy’s exact claim process. Insurers very often require the ORIGINAL bills and receipts (not just copies), and claims must usually be submitted within a deadline after discharge or treatment, so don’t miss the window and keep copies of everything you hand over. Share only what you need to: the masking lets you cover details you don’t need to disclose (such as unrelated history on a report or full ID / PAN / account numbers), and because each box is burned into the page image and the PDF is rebuilt from those images, the hidden content is physically gone with no recoverable text layer — but you place the boxes, so review every page before exporting.