"Excuse me. I'm sorry."
from what I know, 미안해 is used more as an apology, so they might ask why are you apologising. Same thing happens when you're talking to a friend and something sad happened to them and you want to say like "I'm sorry you're going through this" or "I'm sorry" for short. If you use 미안해 they will look at you weird, wondering if you think you had something to do with it