why cant you pay

they couldnt get my daughter to hospital in time as they had promised.secondly they only informed me when thet had to pay back for hospitalisation that they do not pay out for soft tissue injuries.my daughter was spiked by a sharp object on the buttocks that left her passing stools with blood as i believe her ****** was torn.is it really a soft tissue injury?you say you are not paying out for soft tissue injuries, why because that exclusion is not written on your policy and why wont you pay out for it?if u cant pay out,im cancelling this stupid thing