evidence: A message is being circulated widely on WhatsApp and other social media with a claim that the benefits under two of the prime minister's (PM's) schemes—the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY)—can be claimed for COVID-related deaths. [...] Let us fact-check the claims made in the now viral post. The message claims that the benefits under the PMJJBY and PMSBY schemes can be claimed for COVID-related deaths. [...] While it is true that the PMJJBY scheme is applicable to COVID deaths (subject to eligibility and claims process), the PMSBY offers insurance cover of Rs2 lakh for accidental death or total permanent disability to people in the age group 18 to 70 years. Moneylife contacted the national-toll free helpline of PMSBY wherein the operator stressed that COVID-19 deaths are not considered accidental under the current guidelines. Thus the maximum benefit under the scheme (PMJJBY) is Rs2 lakh, not Rs 4 lakh as mentioned in the viral post.