Glossary entry (derived from question below)
English term or phrase:
Copays & over-the-counter items
Hindi translation:
सह-भुगतान, बाजार में खुली बिक्री वाली
English term
India
Quality, Accuracy & Punctuality
Native in: Urdu (Variant: Pakistan) 
, Hindi (Variants: Khariboli, Indian, Shuddha)
Works in: English to Urdu, English to Hindi, English to Arabic, and 4 more.
Copays & over-the-counter items
ये एक ऐसे ब्रोशर का वाक्यांश है जो Medicaid Insurance से सम्बंधित है. कृपया Copays और Over-the-counter items का अर्थ बताएँ.
| 5 +5 | सह-भुगतान, बाजार में खुली बिक्री वाली |
vinod sharma
|
| 4 +2 | आंशिक भुगतान (को-पे) बीमा और बगैर चिकित्सीय नुस्खे वाले सामान |
Lalit Sati
|
| 5 | को-पे / डाक्टर की सलाह के बिना ली गई दवाई |
Harman Singh
|
Mar 31, 2013 11:44: Atiquzzama Khan Created KOG entry
Proposed translations
India
Accurate, High Quality & On Time
Native in: Hindi
Works in: English to Hindi, Hindi to English
सह-भुगतान, बाजार में खुली बिक्री वाली
copay एक प्रकार की बीमा पालिसी होती है जिसमें बीमित व्यक्ति चिकित्सा के कुछ मदों का अपनी जेब से भुगतान करता है, जैसे डॉक्टर की फीस।
ओवर-द-काउंटर का मतलब है डॉक्टर के पर्चे के बिना खुले रूप से बाजार में बिकने वाली दवाएं
| धन्यवाद सर |
| agree |
Nitin Goyal
1 hr
|
| agree |
Jarnail Gill
7 hrs
|
| agree |
Bhashna Gupta
9 hrs
|
| agree |
Lalit Sati
10 hrs
|
| agree |
Ashutosh Mitra
: सहमत, प्रभु...
11 hrs
|
India
TRANSLATOR & VOICE ARTIST
Native in: Punjabi , Hindi
Works in: English to Punjabi, English to Hindi, Punjabi to English, and 3 more.
को-पे / डाक्टर की सलाह के बिना ली गई दवाई
over the counter is non-prescribed medication
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Note added at 16 mins (2013-03-18 17:24:10 GMT)
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होता क्या हिया बहरले देशों में! जब तक आपके पास डाक्टर का परचा नहीं है ! तब तक आप दवाई नहीं ले सकते| यह ड्रग्स के उपयोग को रोकने के लिए किया जाता है|
| धन्यवाद डा. साहब |
India
M.Sc. | Full-time Freelance Translator
Native in: Hindi 
Works in: English to Hindi, Hindi to English, Hindi
आंशिक भुगतान (को-पे) बीमा और बगैर चिकित्सीय नुस्खे वाले सामान
आंशिक भुगतान (को-पे) बीमा पॉलिसियों में चिकित्सीय नुस्खों एवं बगैर चिकित्सीय नुस्खों वाले सामान शामिल हो सकते हैं।
..........................
"A type of insurance policy where the insured pays a specified amount of out-of-pocket expenses for health-care services such as doctor visits and prescriptions drugs at the time the service is rendered, with the insurer paying the remaining costs. However, unlike coinsurance, where the insured is required to pay a certain percentage of the covered costs, co-pay plans require the insured to pay a specified dollar amount. "
(http://www.investopedia.com/terms/c/copay.asp)
"Over-the-counter (OTC) drugs are medicines that may be sold directly to a consumer without a prescription from a healthcare professional, as compared to prescription drugs..."
(http://en.wikipedia.org/wiki/Over-the-counter_drug)
| agree |
Kapil Swami
9 hrs
|
| agree |
Ashutosh Mitra
: "insured pays a specified amount of out-of-pocket expenses" सहमत..
10 hrs
|
Discussion
This is not only in case of english to Punjabi/hindi but same is the case with Punjabi/hindi to English.
Moreover ! This situation is similar while translation of Punjabi into english
Do you think you translate word like "tehsil" "panchayat" "khewat number" " Khasra Number" , because these are standards used in India.
We are not teachers, but translators.
It is very easy to make short-cuts and resort to transliteration but if we continue to do so, one day Hindi will be Hinglish and Punjabi will be Punglish.
जो भाषा के साथ न बदले !
Thats why I said "specially when term is not used in india"
इसका हिंदी अनुवाद भी प्रचलित नहीं है|
Terms like "over the counter", इसका अनुवाद तो दिया जा सकता है क्योंकि यह प्रमाणित शब्दावली नहीं है !!
AND, this is actually major difference between localization and translation.
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.