Big Bazaar / Futurebazaar / Future Retail / Hometown — Personal Account Insurance amt

When i look at Big Bazaar bill, they charged me for personal account insurance which i have never taken. This is a fraud. People are usually don't take closer look at bill and they are looted. Think how much they have collected in such a way..
Also Big Bazaar charging for special benefits. What are they?? And how one can deduct it without any communication??
This is very serious matter..
Immediately Stop this nonsense.