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It probably is bone. Your skull is not flat, it has hollows and ridges in it. It could also be a harmless cyst that has developed. I wouldn't worry about it.
You need to go to a doctor.
Amongst "regular" objects, a sphere, an ellipsoid, a paraboloid. A smooth but irregular lump of putty could qualify.
To get a lump sum payout typically involves foregoing monthly installment payments in lieu of a one time lump sum. Many people who win the lottery prefer to have a lump sum taken instead of monthly checks. Although it should be noted the lump sum is less money than if you were to add up all monthly payments, in the long run.