Had Kanye West canceled his tour on a whim, he would have been on the hook for a massive amount of money owed to venues and anyone else with whom he broke a contract. But since he was taken to the hospital with a psychiatric emergency soon after canceling, his insurance policy may have saved him millions of dollars, TMZ reports. The policy covers him in the event an "accident or illness" prevents him from performing, so now he can file a claim to collect. It's not a slam dunk, as coverage can be denied if an undisclosed pre-existing condition is discovered—or if the insurance company finds that the cause of his illness is his own "unreasonable or capricious behavior," a category that would include things like excessive partying, per Billboard.
Though it was reported that West was placed on a 51-50 psychiatric hold and committed against his will, a source tells People that's not the case. "He went freely" and "was not restrained," the source says. "There was a small altercation at the gym but he was deemed medically stable and decided to seek medical help at his doctor’s request." The source also echoes previous reports that West is simply dealing with exhaustion and sleep deprivation. Wife Kim Kardashian is by his side at the hospital, a source tells E!. "Their time together was just about support. Kanye will be OK. He has a good set of doctors." (Read more Kanye West stories.)