Hospital claim

I own a policy with clientele life,i was admitted to hospital with emergency delivery it was not time for me to give birth as the policy state that maternity is 12 months probation,i understood that but i was admitted for 8days in hospital due to an emergency delivery where i even lost my son on that day,may his soul rest in peace,i phoned clientele and told them about it and they told me it was maternity related they cant help me whereby it was an emergency,something beyond my control,so am not happy about their service,when its month end they don't delay on deducting my money but when its time to pay then there is excuses,or should we cancell this policies if they can't help me in an emergency then i am waisting my money