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Forcefully Imposing of Home Burglary Insurance by PayTM

This is with reference to Order Number: 8462418928 in which I tried to pay Electricity bill of MPPKVVCL of Rs 1195.0 by PayTM but to my surprise Rs 1394.0 got deducted for paying the same from my account.
On checking I found that Home Burglary Insurance of Rs. 2.0 Lakh for 1 year for Rs.199.0 was added without my acceptance.
Then immediately I applied for cancellation of both the transactions i,e.
a) Electricity bill of MPPKVVCL of Rs 1195.0
b) Home Burglary Insurance of Rs. 2.0 Lakh for 1 year for Rs.199.0

But to my surprise I got refund of only Electricity bill of MPPKVVCL of Rs 1195.0 and no refund for Home Burglary Insurance of Rs. 2.0 Lakh for 1 year for Rs.199.0. Since I opted for cancellation of both transactions & I got conformation of cancellation of both transactions as well .
PayTM has refunded Rs 1195.0 & not refunding Rs. 199.0 & instead of it they are saying saying that I must uncheck the Home Burglary Insurance before paying the electricity bill. Now they are not refunding Home Burglary Insurance of Rs. 2.0 Lakh for 1 year for Rs.199.0. Instead of that PayTM is saying that I should have uncheecked Home Burglary Insurance before making bill payment..

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