I dont get why im affected my their incompentecy

I took up a life policy with one life about five months ago,they arranged for an agent from lancet to contact me regarding blood test that needed to be taken..i spoke to about two people from there regarding meeting up,they kept dribbling me around,making appointments and not honouring them,today I was informed that my policy is now covered for accidental cover.why I'm I now being covered for something I didn't agree upon?.how is the incompetency of lancet my problem? Please sort out this mess or give me a full refund!one life is not the only company!!don't make your problems mine,sort this out asap or my money back please.thanx