I'm so sorry to hear what you're going through Tedster.
I too had a large haematoma following internal bleeding after my elective c-section with twins.
I'm obviously not in a position to comment on what is appropriate for you but I wanted to share my experience with you.
After several hours of being nil by mouth whilst the doctors decided what to do, the consultant decided that no operation was necessary to remove the excess blood. He flamboyantly then arranged for me to have breakfast...
However, the midwife who was with the consultant when he delivered this news was horrified by this decision. She took him to one side and, a few minutes later, after she'd spoken to him and he'd consulted a more senior colleague, he came back to me. Although it was six years ago, I still remember his words: "I've been thinking about this and what I'd advise if my wife, who is pregnant, was in your situation. I'd want her to have the operation to remove the haematoma. So, that's what I think we should do with you."
So, I had a general anaesthetic and they went back in via the c-section scar. It turned out I'd lost 4 litres of blood - which explained why my whole abdomen was so tender and uncomfortable. They got as much of the haematoma and blood out as possible and sewed me up with two drains to remove the rest. This was when my babies were four days old.
Afterwards, the consultant and a more senior obstetrician both emphatically said that operating was the right thing to have done and that, actually, they should have done it sooner. What's more, they said that a haematoma can be an infection risk if left.
I went home when my babies were eight days old. Everything healed up quickly and I felt fine within a couple of weeks. I can barely make out the scar now - it's so faint!
Have they established how much blood you've lost? Have you had a blood transfusion? I was given four units the day before I had the haematoma operation and that instantly made me feel much, much better.
If you're still in pain, I'd ask them why they think you've got new pain. I'd also ask them if your treatment would be any different if the hospitals were not dealing with the COVID crisis.
I'd also ask them whether it is true that a haematoma can become a site that is vulnerable to infection.
Have you been scanned so they can see what's going on in there? They did this in my case before operating.
Are you on any medication to thin your blood? The consultant who was treating me was completely unaware I'd been prescribed this (serious communication fail) and it's important that they're across the full picture of what's going on.
I really hope you have someone who can support you in any interactions with doctors as I imagine you are feeling pretty rough and not in the best position to be assertive.
I hope too that you feel better very soon and that you can start to enjoy your baby.
Finally, many congratulations.