Food and Drink Poisoning Insurance

(say it is a clear-cut case where relevant authorities have compounded the food business and evidence such as lab test report, medical report, and medical fee receipt available)

You may file a claim against the food business for compensation and await their response:-
1. Issue a letter holding the food business supplier responsible for causing food poisoning resulting directly from the food bought and consumed. The letter shall state those costs incurred, i.e hospital bills, loss of income, purchase receipts, food packing, expenses for travelling, reports, photographs, if any etc
2. Also include evident copy of compound issued by the relevant authorities, its finding or investigation report, lab test report, medical report and other relevant documents to substantiate the claim
 

1. Can the deceased’s next of kin / dependent make a claim? – Yes
2. What is the procedure to make a claim? – it is advisable to engage a legal counsel for advice
3. Would the deceased’s next of kin / dependent receive a higher amount of damages/compensation since his/her family member died (a serious case)? – yes, it is possible . Therefore it is recommended to seek legal advice

Yes, the food business or the insurance company have the rights to challenge the claim made against them. This is so as the claim is handled on a without prejudice basis not admitting liability. Those parties may engage their own investigators or legal counsels to review the claim made against them 

It all depends on – if it is a straight forward case when compensation agreed by all parties then it should take shorter period after the next of kin named the recipient. If the case is landed in court, it may take longer period to settle. That said, we cannot comment on the timing,  it depends on if all parties can come to an agreement as early as possible, financial standing of the food business supplier, who is the food supplier, local or overseas food supplier,  investigation process etc.