(4) PMSBYis available only toindividual bank account holdersin the 18-70 year age group.Accidents, any death or disabilityresulting from naturalcalamities is covered underPMSBY. While death due tosuicide is not covered, thatfrom murder is covered. Partialdisability without irrecoverableloss of an eyesight orloss of use of one hand or footis not covered.