Very poor bad pathetic service

We joined the insurance feb 2019, with alot of promises from their side that don't realize. On the 2nd of may 2019 we find out with a blood test that i had to pay out of my own pocket that i am pregnant. On 14 may 2019 at 04:00am i had a miscarriage at home. My husband phone and they give him a go ahead for casualties at my arrival, i had to be admitted to the ward with a miscarriage, just to get a phone call at 07:01am from Mohammed to say that the admission have been declined for a reason i have a 9 months waiting period on maternity, the more we try to explain to Mohammed that the baby has passed away the more he argued. Further the doctor have to take me to theater to clean up they refuse, we even tried to explain to Teresa the situation with now break through in understanding. The doctor discharged me, with recommendation to go to theater 15 may 2019. The people is incompetent and arrogant with no humanity and understanding to do their work, who are they to over rule a QUALIFIED DOCTORS decision. Who will be responsible if i started to bleed to death?