PhilHealth Self-Paying Members in 2026: SPA Billing Rules and the One-Time Waiver of Interest on 2019 to 2025 Arrears (PC 2026-0011, PC 2026-0010)

Two PhilHealth circulars signed in July 2026 set the rules for self-paying members. These are members who personally pay their own premiums, such as self-earning individuals, professional practitioners and Overseas Filipinos except seafarers and other sea-based workers (PC 2026-0011 IV.L). Circular 2026-0011 makes the Statement of Premium Account (SPA) the basis for every premium payment, with 2026 as a transition year and a strict requirement from 1 January 2027 (V.B, VIII). It sets 31 December as the deadline for each year's premiums, with a grace period to 31 January (V.B). It also confirms that failure to pay does not prevent enjoyment of benefits, while missed contributions and interest of up to 1.5 percent a month remain due (V.C).

Circular 2026-0010 waives, once, all accrued interest on missed premiums from November 2019 to December 2025 for members who meet three conditions: pay all 2026 and later premiums, get assigned to a YAKAP primary care provider, and update their records (V.A, V.B). It also lets the unpaid premiums themselves be paid by installment without further accrual of interest while the member stays fully compliant with the approved schedule, over maximum terms of 12 to 60 months, on application to PhilHealth until 31 December 2027 (V.C to V.F). The unpaid premiums are not waived; PhilHealth determines them and approves each arrangement. Neither circular's effectivity date could be established as of 7 September 2026.

Nov 2019 to Dec 2025the applicable months whose accrued interest PhilHealth waives once, on conditions; the unpaid premiums themselves remain payable (PC 2026-0010 V.A, V.C)

31 Dec 2027filing deadline for the waiver application or a proposed installment arrangement, or such later period as PhilHealth may prescribe (PC 2026-0010 V.E.1)

1 Jan 2027full and strict implementation of both circulars: a valid SPA becomes a strict requirement for every premium payment (PC 2026-0011 VIII; PC 2026-0010 VII.D)

Boundary of the waiver. PhilHealth is waiving the interest on missed premiums from November 2019 to December 2025, subject to conditions. The unpaid premiums themselves still have to be paid, in one payment or on an approved installment arrangement (PC 2026-0010 V.C.1, V.C.2). Failure to pay premiums does not prevent enjoyment of Program benefits, but missed contributions and interest remain due (PC 2026-0011 V.C.1).

Key findings

Self-paying members are those who personally pay their own premiums, such as, but not limited to, self-earning individuals, professional practitioners and Overseas Filipinos except seafarers and other sea-based workers (PC 2026-0011 IV.L). On registration they are granted immediate eligibility to Program benefits (V.A.2).
From January 2026 PhilHealth generates a Statement of Premium Account on the first day of each unpaid month; payments must match the SPA and are not processed without one, except at Accredited Collecting Agents in DOH-identified Geographically Isolated and Disadvantaged Areas (V.B.1, V.B.2, V.B.11). All of 2026 is a transition period with documented exceptions; from 1 January 2027 a valid SPA is a strict requirement (VIII). PhilHealth's documents give different 2026 administrative start dates (see below).
Each year's premiums must be settled by 31 December; unpaid premiums for the preceding year may be settled without interest until 31 January of the following year; thereafter interest accrues per Section 9 of RA 11223, computed from 31 December, compounded monthly and not exceeding 1.5 percent (V.B.12 to V.B.14, V.C.2). Neither circular publishes the rate PhilHealth actually applies.
PC 2026-0010 implements a one-time waiver of all accrued interest on late or missed contributions for November 2019 to December 2025, with no refund of interest already paid (V.A). The waiver is granted only to members who meet all three conditions in V.B.1 and file the documents in V.B.2 at any PhilHealth Regional, Branch, Local Health Insurance or Express Office; PhilHealth evaluates and approves each application (V.E.2, V.E.3).
The principal arrears, determined by PhilHealth by reconciling posted payments against prescribed contributions (V.C.1), may be paid in one payment or by installment without further interest, over maximum terms of 12, 24, 36, 48 or 60 months depending on the number of months with arrears (V.D.1, Table 1), while the member stays compliant (V.D.2); non-compliance leads to revocation after due notice and the arrears become immediately due with interest (V.F).
Members unable to pay may be assessed by a DSWD or LGU social worker and, on a case study or certificate of indigency or financial incapacity, may be classified as financially incapable (PC 2026-0011 V.C.3 to V.C.5) or, where the document covers the current applicable period, may be granted relief from paying assessed principal premium arrears for the covered period upon PhilHealth's evaluation of the supporting documents submitted, subject to existing laws, policies and rules on member classification (PC 2026-0010 V.C.6, V.C.7).

Who is a self-paying member, and how to register (PC 2026-0011 IV, V.A)

Self-paying members are "those who personally pay for their own premiums such as, but not limited to: self-earning individuals; professional practitioners; Overseas Filipinos except seafarers and other sea-based workers" (IV.L). Self-earning individuals render services or sell goods as a livelihood outside an employer-employee relationship (IV.K); professional practitioners are those required to pass government licensure examinations to practise (IV.J). PC 2026-0010 addresses the same group as "self-earning individuals, professional practitioners, land-based migrant workers, Filipinos living abroad, and Filipinos with dual citizenship". The Tamang Sagot FAQ for PC 2026-0011 (item 3) describes them differently, as "individuals without a formal employer" including "business owners", and omits Overseas Filipinos; the circular's definition governs.

Register or update (V.A.1): Any of: a properly filled-out PhilHealth Member Registration Form and/or Primary Care Selection Form with supporting documents at any Local Health Insurance Office, PhilHealth Express or accredited registration partner; the PhilHealth Member Portal (memberinquiry.philhealth.gov.ph/member/); or the DICT eGovPH App.
Eligibility (V.A.2): Upon registration into the NHIP, all self-paying members are granted immediate eligibility to Program benefits.
Records to keep current (V.A.3): Monthly income, contact information and declared dependents, which the circular ties to SPA generation and benefit availment.
Proof of income, any of the following (V.A.4): Self-earning individuals and professional practitioners: a BIR-received Income Tax Return; income declared, attested and signed in the PMRF or its electronic form; or other documentary proof validated by the PhilHealth Regional Office. Overseas Filipinos (except sea-based): an employment contract or certificate of employment with salary; payslips or remittance receipts; a BIR-received ITR; income declared in the PMRF; or other validated documents.

The 2026 billing rules: the Statement of Premium Account (PC 2026-0011 V.B, VIII)

SPA rules as stated in PC 2026-0011, by section.
Rule	What the circular says	Section
SPA required to pay	All self-paying members present an SPA for any payment transaction across all channels; payments are not processed without one, except payments at Accredited Collecting Agents in DOH-identified Geographically Isolated and Disadvantaged Areas.	V.B.1
Automatic generation	The SPA for all unpaid applicable months from January 2026 onward is generated on the first day of each applicable month, posted to the Member Portal and sent to the declared email or contact number.	V.B.2, V.B.3
What it shows	Premium due for the reflected months, due date, payment instructions, the interest provision, and the unpaid periods from January 2026 or from registration, whichever is later.	V.B.4
Pre-2026 arrears	Guidelines on missed contributions before January 2026 come through a separate policy (that policy is PC 2026-0010).	V.B.5
How the premium is computed	Primarily from the last premium payment posted; where declared income is unverifiable or differs, PhilHealth requires updated income documentation within a specified period and adjusts future premiums and settles arrears or overpayments.	V.B.6, V.B.7
Corrections and access	Members may generate a new SPA through the Member Portal or SPA generator or request adjustment at any PhilHealth office; PhilHealth provides SPA generators and portal kiosks at collecting agents, LHIOs and other sites.	V.B.8, V.B.9
Representatives	An authorisation letter signed by the member and one valid government-issued photo ID each of the member and the representative.	V.B.10
Amount and deadline	Payments must match the SPA amount. Members may pay any number of months, but all premiums for the calendar year must be settled by 31 December of that year.	V.B.11, V.B.12
Grace period and interest	Unpaid premiums for the preceding year may be settled without interest until 31 January of the following year, a statutory one-month grace period; balances thereafter accrue interest per Section 9 of RA 11223, computed from the actual due date of 31 December.	V.B.13, V.B.14
Where to pay	Any LHIO or Accredited Collecting Agent nationwide or abroad on presentation of the SPA, or the Member Portal and other online platforms.	V.B.15, V.B.16
Transition, 1 January to 31 December 2026	The SPA is the standard and preferred mechanism, with limited documented flexibility to accept payments without an SPA for first-time SPA users with system or record constraints, members with pending verification of income or membership records, and temporary unavailability of SPA systems.	VIII.1
Full implementation, from 1 January 2027	A valid SPA is a strict and non-negotiable requirement for all premium payment transactions across all channels, except those expressly exempted by law or policy such as GIDAs; payments without an SPA outside authorised system downtime are no longer accepted.	VIII.2

The 2026 start date, as PhilHealth's documents state it. PhilHealth Advisory No. 2026-0016, "Implementation of the No SPA, No Payment for Self-Paying Members", states that beginning 1 April 2026 all self-paying members will be required to secure and present their SPA before paying premium contributions. The Tamang Sagot FAQ for PC 2026-0011 (item 7) instead says the SPA is required beginning 1 February 2026 and attributes that date to Advisory No. 2026-0016, which does not contain it. The circular itself sets neither date: Section VIII makes 1 January 2026 to 31 December 2026 a transition period in which the SPA is the standard and preferred mechanism with documented exceptions, and makes a valid SPA a strict requirement from 1 January 2027. Readers should treat 1 January 2027 as the date fixed by the circular and confirm the 2026 start date with PhilHealth. The advisory is an administrative issuance below the circular and does not amend Section VIII.

The SPA governs whether a payment transaction is processed, not whether a member is covered: failure to pay premiums does not prevent enjoyment of Program benefits (V.C.1).

Non-payment, benefits and inability to pay (PC 2026-0011 V.C)

Benefits continue; arrears remain due (V.C.1): Failure to pay premiums does not prevent the enjoyment of any Program benefits, but self-paying members are required to pay all missed contributions including interest.
Interest ceiling (V.C.2): Failure to pay in full on or before the one-month grace period constitutes delay, and any outstanding balance on the prior year's annual premium is subject to interest, compounded monthly, not exceeding one and one-half percent (1.5 percent), which the circular states is consistent with Section 9 of the UHC Act. Failure to settle leads to the consequences in V.C.6 and Section 38.10 of the UHC IRR. Neither circular publishes the rate PhilHealth actually applies; 1.5 percent is a ceiling.
Inability to pay (V.C.3, V.C.4): The member is referred to a DSWD or LGU social worker, a medical social worker or any licensed social worker for an assessment of financial capacity. Those assessed to have no capacity to pay submit a case study, a certificate of indigency or financial incapacity, or a similar document issued by a licensed social worker, to be classified as Point of Service - Financially Incapable or Indirect Contributor - Financially Incapable, whichever applies.
Automatic exemption on those documents (V.C.5): A member with an outstanding balance from November 2019 onward, or who has been unable to pay for multiple years, but who can provide those supporting documents, is granted automatic exemption from paying premium contributions for the current applicable month and all outstanding contributions from previous periods. The assessment is the social worker's, not the member's.
Consequences (V.C.6): Members who fail to settle within the grace period may face interest. Intentional violations such as fraud or collusion to defraud the Program may lead to suspension of entitlement to benefits after due process; ordinary non-payment is not that.

The one-time waiver of interest (PC 2026-0010)

PC 2026-0010 states that the PhilHealth Board, through Resolution No. 3076, s. 2026, authorised a one-time waiver of interest on missed premium contributions of self-paying members for the applicable months of November 2019 to December 2025, subject to conditions that promote continuous coverage, accurate income reporting and engagement with primary care (Section I; the resolution itself was not retrieved). The circular describes the interest concerned as the UHC Act Section 9 interest, not exceeding 1.5 percent compounded monthly (I, IV.A).

What is waived (V.A): All accrued interest on late or missed contributions for November 2019 to December 2025. No refund or reimbursement of interest previously paid (V.A.2; Section III says the waiver applies prospectively).
What is not waived (V.C.1, V.C.2): The principal premium arrears. PhilHealth determines them by reconciling posted payments against the prescribed contributions for the months the member was tagged as self-paying within November 2019 to December 2025; the unpaid premiums, exclusive of interest, must be settled in one payment or through an approved installment arrangement.
Checking your record (V.C.3): The PhilHealth Member Portal, the eGovPH app, or any LHIO for members needing assistance or lacking digital access.
Restoration to active status (V.C.4): Members with arrears may be restored to active contribution status on payment of all premiums due for 2026, updating of records and compliance, without prejudice to settlement of the principal; restoration is not a waiver of unpaid principal.
Adjustments (V.C.5): Members may request adjustment of assessed arrears for specific months on grounds of non-earning, category misclassification or other valid causes, with supporting documents. The FAQ (item 22) states that no Affidavit of Declaration of No Earnings is required, but supporting documents are.
Inability to pay (V.C.6, V.C.7): A member may request an assessment of financial capacity or membership classification by submitting a case study, a certificate of indigency or financial incapacity, or a similar document issued by the social worker of the DSWD or the concerned LGU, with such other documents as PhilHealth may require. A member who submits such a document covering the current applicable period may be granted relief from paying assessed principal premium arrears for the covered period, upon PhilHealth's evaluation of the supporting documents submitted, subject to existing laws, policies and rules on member classification.
Filing and approval (V.E): Applications for the waiver, or a proposed installment arrangement, may be filed until 31 December 2027 or such later period as PhilHealth may prescribe; PhilHealth evaluates them on compliance and documents; the waiver or arrangement takes effect from PhilHealth's official approval.
Non-compliance (V.F, VI): Failure to comply with the conditions or the approved terms results in revocation of the waiver after due notice and a reasonable period to comply; on revocation the remaining arrears become immediately due and demandable with the applicable interest. PhilHealth may allow updating, restructuring or reinstatement in meritorious circumstances. Misrepresentation, falsification, fraud or persistent non-compliance after notice are grounds for denial or revocation, without prejudice to penalties.
Transition (VII): The rest of 2026 is a transition period: applications may already be accepted, processed and approved; manual or interim procedures may be used; approved waivers and arrangements remain valid; full and strict implementation commences on 1 January 2027. PhilHealth may issue supplemental rules (V.G).

Conditions and documents (PC 2026-0010 V.B): a reading aid

The waiver is granted only to self-paying members who comply with all three conditions (V.B.1) and submit the documents in V.B.2 to any PhilHealth Regional, Branch, Local Health Insurance or Express Office. The checklist below reproduces them so a reader can see what the circular asks for. It does not determine eligibility: PhilHealth evaluates the application and decides (V.E.2), and the waiver takes effect from PhilHealth's approval (V.E.3). Nothing ticked here is stored or sent anywhere.

The three conditions (V.B.1, all required)

Payment of all premium contributions due for 2026 and succeeding periods, in accordance with existing contribution schedules (V.B.1.a).
Empanelment of the member and qualified dependents, if any, under the Yaman ng Kalusugan Program (YAKAP), subject to submission of proof of assignment to a Primary Care Provider (V.B.1.b).
Updating of member records, including declared monthly income and dependent information (V.B.1.c).

The five documents (V.B.2)

Letter of Request for Interest Waiver (V.B.2.a).
Valid government-issued ID (V.B.2.b).
Proof of premium payments for the current and succeeding years (V.B.2.c).
Proof of YAKAP assignment or selection of the member and, if applicable, the qualified dependents at the time of application; completion of the First Patient Encounter and empanelment follow within the period PhilHealth prescribes (V.B.2.d). The FAQ (item 8) words this as "proof of YAKAP empanelment"; the circular's wording governs.
Updated PhilHealth Member Registration Form, if applicable, with supporting documents for a revised monthly income declaration, corrected or newly declared dependents, and updated address and contact details (V.B.2.e).

For application and initial processing, proof of YAKAP assignment or registration is sufficient; completion of the First Patient Encounter and empanelment under YAKAP remains a condition for the continued effectivity of an approved waiver or installment arrangement, within the period PhilHealth prescribes (V.B.3). These are the three conditions and the five documents PC 2026-0010 lists at V.B.1 and V.B.2. PhilHealth evaluates the application and decides (V.E.2), and the waiver takes effect from PhilHealth's approval (V.E.3). This checklist does not determine eligibility.

Installment terms (PC 2026-0010 V.D, Table 1)

Members may settle arrears through an installment arrangement without further accrual of interest, subject to maximum terms that depend on the number of missed months (V.D.1). No new interest accrues during the arrangement provided the member remains fully compliant with the approved schedule (V.D.2); on revocation the remaining arrears become due with interest (V.F.2).

Table 1 of PC 2026-0010, "Installment Payment Arrangements", as printed. Every term is a maximum, not an entitlement or a default; PhilHealth evaluates and approves each arrangement (V.E.2, V.E.3).
Applicable Period with Arrears	Maximum Installment Payment Arrangement
1 to 12 months	12 months
13 to 24 months	24 months
25 to 36 months	36 months
37 to 48 months	48 months
More than 48 months	60 months

The circular says "the number of missed months" (V.D.1) while the table header reads "Applicable Period with Arrears", and it does not state how non-consecutive missed months are counted. This Drop reads the table as a count of months with arrears within November 2019 to December 2025, which spans 74 calendar months (Policy Desk count); PhilHealth determines the arrears themselves by reconciliation (V.C.1).

Installment-term reader: a lookup of Table 1

Enter a count of months with arrears within November 2019 to December 2025 (0 to 74). The reader shows the matching band of Table 1 and its maximum installment payment arrangement, quoted from PC 2026-0010 V.D.1. It shows no peso amount and no monthly payment. The term shown is the maximum the table allows; PhilHealth determines principal premium arrears by reconciling posted payments against prescribed contributions for the months the member was tagged as self-paying within November 2019 to December 2025 (V.C.1), and PhilHealth evaluates and approves any arrangement (V.E.2, V.E.3). Counting is this Drop's reading of the table; the circular does not state how non-consecutive months are counted. The number stays in your browser and is not sent or stored; the reader asks for no name, PhilHealth Identification Number or other identifying data. The 31 December 2027 date (V.E.1) is a filing deadline for the application or proposed arrangement, not a payment deadline.

Months with arrears, November 2019 to December 2025 (0 to 74)

Enter a count and choose "Show the Table 1 band".

What the waiver can remove: the interest ceiling, as arithmetic (Policy Desk)

The interest that PC 2026-0010 waives is the UHC Act Section 9 interest that the circulars describe as "not exceeding one and one-half percent (1.5%)" compounded monthly (PC 2026-0011 V.C.2; PC 2026-0010 I, IV.A). Neither circular publishes the rate PhilHealth actually applies. As Policy Desk arithmetic on that statutory ceiling, and on nothing else: one unit of unpaid premium compounding at the maximum permitted rate grows by ((1.015)^12) minus 1, which is 19.56 percent, over twelve months, and by ((1.015)^74) minus 1, which is 200.94 percent, over seventy-four months, the length of the waiver window. At the maximum rate the law permits, and over a period as long as the waiver window, compounding of that kind would exceed the unpaid premium itself.

These are illustrations of what the maximum permitted rate does over a period of that length, expressed as a multiplier of one unit. They are not PhilHealth's assessment, not a schedule PhilHealth has published, and not any member's amount. Seventy-four months is the length of the waiver window, not an accrual period the circulars prescribe: PC 2026-0011 V.B.14 sets accrual from 31 December of the applicable year after the grace period to 31 January, PhilHealth may assess less than the ceiling, and the circulars publish no accrual schedule. The figures describe the size of what the waiver can remove, not what an eligible member will pay.

Timeline

November 2019: first applicable month of the waiver window (PC 2026-0010 III).
December 2025: last applicable month of the waiver window; the last month whose missed contributions are covered by PC 2026-0010 rather than by the 2026 SPA rules.
1 January 2026: SPAs generated for unpaid months from this month onward; transition period begins (PC 2026-0011 V.B.2, VIII.1).
2026, start of the "No SPA, No Payment" rule: 1 April 2026 per Advisory 2026-0016; 1 February 2026 per the FAQ; the circular fixes neither (see above).
21 July 2026: handwritten date signed on PC 2026-0010 (7/21/2026; stamp 7/21/26). Effectivity is fifteen days after publication; publication date not established.
22 July 2026: handwritten date signed on PC 2026-0011 (07/22/2026; stamp 7/22/26). Effectivity is fifteen days after publication; publication date not established.
Rest of 2026: transition period for PC 2026-0010; applications may already be accepted, processed and approved (VII).
31 December 2026: deadline for 2026 premiums (PC 2026-0011 V.B.12); end of the SPA transition period (VIII.1).
1 January 2027: full and strict implementation of both circulars (PC 2026-0011 VIII.2; PC 2026-0010 VII.D).
31 January 2027: end of the grace period for 2026 premiums (PC 2026-0011 V.B.13).
31 December 2027: filing deadline for waiver applications and proposed installment arrangements, unless PhilHealth prescribes a later period (PC 2026-0010 V.E.1).

Sources

Philippine Health Insurance Corporation. PhilHealth Circular No. 2026-0011, Coverage of Self-Paying Members Under the Universal Health Care (UHC) Act, signed by President and CEO Edwin M. Mercado, MD, MHA, MMSc; handwritten date signed 07/22/2026 (22 July 2026), stamp 7/22/26. PDF; Tamang Sagot (English); listed on the 2026 circulars page. Retrieved 7 September 2026.
Philippine Health Insurance Corporation. PhilHealth Circular No. 2026-0010, Waiver of Interests and Payment in Installment Arrangements for Missed Premium Contributions by Self-Paying Members, signed by the same officer; handwritten date signed 7/21/2026 (21 July 2026), stamp 7/21/26. PDF; Tamang Sagot (English). Retrieved 7 September 2026.
Philippine Health Insurance Corporation. Advisory No. 2026-0016, Implementation of the "No SPA, No Payment" for Self-Paying Members. No issuance date appears on the advisory; PhilHealth's 2026 advisories listing is the only ordering available. PDF; listed on the 2026 advisories page. Retrieved 7 September 2026.

Republic Act No. 11223 (Sections 3, 5 and 9), Section 38.10 of its implementing rules, and PhilHealth Board Resolution No. 3076, s. 2026 appear here only as the circulars' own citations; none was retrieved for this Drop. Policy Desk is a publisher on DropRegion and is not affiliated with, and this page is not endorsed by, PhilHealth.

Methodology

Policy Desk retrieved both circulars, their English Tamang Sagot FAQs and Advisory 2026-0016 from philhealth.gov.ph. The circular PDFs are text-native; the circular numbers and dates signed are handwritten on scanned pages and were read from page images together with the MASTER COPY stamps. Every rule is transcribed with its circular and section, the three layers (circular, advisory, FAQ) are kept distinct, and variances between them are reported rather than resolved. A verification pass independent of the drafting checked every citation and figure, read the signature pages, and ruled on the SPA date discrepancy, the interest-ceiling illustration and the two reading aids.

Policy Desk arithmetic: the waiver window of November 2019 to December 2025 is 74 calendar months; ((1.015)^12) minus 1 = 0.1956; ((1.015)^74) minus 1 = 2.0094. The installment-term reader is a lookup of Table 1 on an integer the reader enters; it computes no amount, runs in the browser, makes no network request, stores nothing and takes no identifying data. The checklist is a reading aid that determines nothing. The reading is Policy Desk's and is not endorsed by PhilHealth or DropRegion.

Limitations

The effectivity dates of both circulars (fifteen days after publication) could not be established as of 7 September 2026; the dates given are the handwritten dates signed.
PhilHealth's documents give different 2026 administrative start dates for the SPA requirement; the Drop reports all three statements and resolves none.
The premium contribution schedule (rates, income floor and ceiling) is not restated in these documents and is outside this Drop; the SPA amount is the basis for what a member pays.
The 1.5 percent figure is a statutory ceiling; the rate PhilHealth actually applies, and any member's actual arrears or interest, are not in the sources.
The circular does not state how non-consecutive missed months are counted for Table 1; the Drop's reading is labelled as such.
Board Resolution No. 3076, the UHC Act and its IRR were not retrieved and are reported only as cited.
This is a reading of PhilHealth issuances, not advice on any member's obligations or entitlement; PhilHealth decides each application.

Freshness

Freshness class F3 (release-driven). Checked and verified 7 September 2026. Events that would change this Drop: supplemental rules under PC 2026-0010 V.G; any extension of the 31 December 2027 filing period; publication of either circular (fixing effectivity); any further advisory on the SPA start date; and the 1 January 2027 full-implementation date shared by both circulars. Next scheduled check: first week of October 2026, then monthly. Checking a source is not the same as changing this Drop; the version panel records changes.

Version

v1.1, 7 September 2026: after independent evaluation, key finding 6 restored the two limbs of PC 2026-0010 V.C.7 (current applicable period; evaluation of the documents submitted), the abstract now states the compliance condition on interest-free installment, the advisory's missing issuance date is noted in Sources, long sentences and the heading were shortened, and the reader input is linked to its terms. No figure, section citation or conclusion changed.

v1, 7 September 2026. First evaluated version. Drop ID D-20260907-03ed.