I think people are conflating life insurance (or other specialized and optional types of insurance like travel insurance) with health insurance. I’ve never seen anything in any of my health plans that said they won’t cover medical bills (beyond copayments and deductibles) that result from risky behavior. Even smoking or drinking aren’t considered.
So I still suspect this fool decided to do these stunts without any safety net, including health insurance.
Edit: perhaps I’m being naive and the reality is that these sort of claims are routinely denied via some legal mechanism that’s not made obvious in their handbook but it’s just not something I hear about.
