Unless you by any chance was diagnosed with late stage cancer and need emergency treatment or maybe hit your head and went into comma, you won’t actually reach that amount (typically coverage is “reset” every year).
Even if you are hospitalised in most countries you will only spend a fraction what you could have spent in the US. Exorbitant medical cost is american specific problem.
You ask for opinion. She give opinion. You don’t like her opinion.
Tf do you want?
Do you hire a QA or bug tester, and then whatever pointed by them you just dismiss it?