Questione giuridica chiave
Whether an individual insurance relationship existed after the end of the collective contract despite no affiliation application.
Decisione estratta
No individual insurance relationship existed between the parties because the appellant did not submit the required application for individual affiliation.
Motivazione estratta
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.