Question on Risk Levels of Health Insurers

[MGN]

Ok, I'm a P&C guy, but I'm very curious about the health insurance world, so I have another question for health actuaries. I may have more in the near future, but here's a quickie.

What's the biggest large loss you've ever seen get paid out on an individual life? Like, what sickness, injury or illness is the most expensive?

Related: what "cause of loss" is the biggest for private insurers? So, what disease or condition has the largest pure premium, as p&c people call it? Cancer? A specific type of cancer? Heart Attack? Kidney Dialysis? Diabetes?

In particular, I'm wondering about non-trauma incidents, specifically those that can't be subrogated to a liability insurer. So I guess quadripilegia is extremely expensive, though that's one that we see all the time. The difference though is that liability or Work Comp carriers are on the hook for every nickel of keeping the person alive for as long as they live, and that can run to the 10-20 million level. So I'm guessing that, at least for specific health conditions, the costs must be capped roughly in that range, no?

On a related note, is it possible to buy a health insurance policy that covers only named perils? Similar to P&C?

Thanks in advance for comments or info. Just curious.