It's more than just that the contingency is addressed in the Policy.  So is terrorism, as someone noted.  It's that (1) the same exclusion was NOT there for Ronald (his liver weighs 25 pounds) and (2) the Policy references recent letters from physicians.  The exclusions were carefully negotiated by fat, white lawyers around the globe.  So while it's conjecture what any of the Stones actually have......just do the algebra and apply common sense and you can figure out what the score is.

Richards will always be one of greatest rockers the world has ever known even if his liver explodes.

Yeah we need to lighten up.  I hate insurance companies and the show cant go on without it, but there is no need to delve too deeply into the fine print.