evidence: Providing security with convenience to citizens through PMJJBY, especially during COVID-19 Pandemic, Smt. Sitharaman said, "Under PMJJBY, a cumulative number of 12.76 crore persons have enrolled since inception for life cover and families of 5,76,121 persons have received claims for Rs. 11,522 crore under the scheme. The scheme has proved extremely useful for low-income households during pandemic as in FY21, almost 50% claims paid out were due to COVID-19 deaths. Major changes were brought in the claim settlement process for quick and easy settlement of claims during the pandemic period. These changes brought in for easy settlement of claims are still continuing. Since the beginning of the pandemic i.e., April 1, 2020 till February 23, 2022, a total of 2.10 lakh claims amounting to Rs 4,194.28 erore were paid with a settlement rate of 99.72%." [...] Scheme: PMJJBY is a one-year life insurance scheme renewable from year to year offering coverage for death due to any reason. [...] Scheme: PMSBY is a one-year accidental insurance scheme renewable from year to year offering coverage for death or disability due to accident.