Yes, there is a zonal co-payment if you pay premiums for a lower zone but avail of treatments in a higher zone. For example, there are three zones in India as per Bajaj Allianz’s pricing policy – Zone A, B and C. If you pay premiums for Zone B but avail of treatments in Zone A, a co-payment would be applicable. Similarly, if you pay a premium for Zone C and avail of treatments in Zones A or B, co-payment would apply. However, if you pay a premium for a higher zone but avail of treatments in a lower zone, no co-payment would apply. So, if you pay premiums for Zone A, you can avail of treatments in Zones A, B or C without co-payments.