Why won't 0.4% MDR charge apply to insurance payments?

Insurance premium payments above ₹2,000 will face a flat ₹5 merchant discount rate (MDR) fee instead of the 0.4% charge as they are treated as an "essential service" and not retail consumption. Insurance premiums are also recurring payments and keeping cost low would help preserve economics of digital premium collection. The same treatment has been applied for utility bill collection.