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GoatandTricycle
What insurance are you thinking of?
If there is no underlying problem, and he passes all UCI health checks, then I think it'll be his decision if he returns or not. Hopefully he'll take his time and consult with a range of experts on possible issues before any decision is made.
Added later: Apparently the cause was an 'unstable cardiac arrhythmia'. I can think of quite a few pro cyclists who've suffered from tachycardia, Stuart O'Grady for one, so it doesn't seem to be necessarily career ending.