Questão jurídica principal
Whether an individual insurance relationship existed after the end of the collective contract despite no affiliation application.
Decisão extraída
No individual insurance relationship existed between the parties because the appellant did not submit the required application for individual affiliation.
Fundamentação extraída
Following the termination of employment, and thus of the collective insurance contract, individual coverage could arise only through the prescribed declaration/application for passage into individual insurance. That step was not taken.