Here's how I read it with news from a variety of sources ...
Training for the new season, perhaps on a new bike (was signed with Jotagas supposedly) and has a serious crash.
Injured enough to go for serious medical treatment, and uses the time of contemplation to decide to hang up the boots.
Discharged from the hospital he goes home where he guts it out through some not unexpected pain, although it turns out to be previously undetected internal bleeding causing that pain. When the pain keeps building instead of subsiding, another trip to the hospital confirms the worst, but by that time his death is inevitable.
Racers of that level deal with pain on a day to day basis that would cripple most of us - maybe you or I would have gone back to the hospital in time to catch the bleeding because our pain tolerance is so much lower.
Not to minimize what happened, or throw in with socialized medicine, but I tend to see this as an unfortunate but not negligent or deliberate end to a great athlete, and from what I've read, great man.