1 thing I don't understand ! Why translators translates standardized terms specially when term is not used in India itself?
CO-PAY is a standardized term .
http://en.wikipedia.org/wiki/Copayment Here is full article which defines rules and regulations related to it and
"Partial payment" JUST 1 PART OF IT.
Why translators Pick up the part of it and translate it accordingly ? Its like someone is Translating my name into "every-heart" IN ENGLISH DOC, which is weird.
If you use Hindi term for it, you are actually restraining reader from actual detail which is "huge negative point" as from translator point of view.
SO My recommendation is either use Transliteration for it, if not Write Transliteration in brackets with hindi term.