I'm not aware of an umbrella policy for health insurance plans. I would say that is definitely paranoid wanting more than $2 million of health benefits. Health insurance companies would probably want to know why you're wanting to insure for more than that -- they might think you're not telling them something.
Have you looked into long-term disability plans? Undoubtedly if you really needed more than $2 million of medical bills covered, you'd benefit from a LTD plan.
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