Cruise ships are
really big. They can have thousands of passengers (mostly elderly) and thousands of staff. It's pretty much guaranteed you'll have a few heart attacks. They have full-time doctors and nurses, and on-board hospitals. If someone dies, they hide them in their cabin (assuming they were not sharing) until they get to the next port. If someone's sick, they look after them until they land, though they can call for an airlift in extreme circumstances. They generally aren't
that far from land (because cruising through empty oceans is boring).
The law is either the nearest country (if you're 12 or 24 nautical miles away, depending on the circumstances), or the law of their flag state (if they are in the high seas). Generally, they avoid making arrests, and throw trouble makers out the next port. I think their registered home state generally turns a blind eye on what they do.