FBTO Care app vs Shruta
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
FBTO Care app
Manage your healthcare affairs, view insurance details, and submit claims quickly and securely. Access your digital health insurance card and arrange transport authorizations with ease.
- Secure DigiD login
- View insurance and co-insured details
- Track reimbursements and remaining deductible
- Submit claims with photo upload
- Arrange transport authorization
- Digital health insurance card
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Quickly and safely arrange your healthcare affairs in the FBTO Care app Logging into our app is always done through DigiD to ensure you have easy and safe access to your personal data. You can view the app in Dutch or English. See quickly: • How you are insured. And who is co-insured with you • Your reimbursements • Care costs you incurred and what we reimbursed • How much deductible you have left Easily arrange things yourself: - Your claims. Take a photo and send it in. The money will be in your account the next working day. - Your authorisation for transport. And did you know that your health insurance card is also in the app? So you always have it within reach!
Shruta
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Shruta records conversations on iPhone and Apple Watch, creates speaker-labeled transcripts on your device, and seals your content behind a passcode-derived key. There is no Shruta account or cloud backend for your content. FAIR PRICING • Try Shruta free: your first 7 recordings, with every feature included. • One purchase unlocks unlimited recordings. No subscription. No ads. RECORD, TRANSCRIBE, KNOW WHO SAID WHAT • Record conversations on your iPhone, or straight from your wrist with the Apple Watch app. • Transcription runs entirely on your device — in English, Dutch, and German, with regional English and German variants. • Speaker labels show who said what. Correct a label once and Shruta applies it across the conversation. If the automatic speaker count is off, reprocess with the exact number of participants — no re-transcription needed. • Optional Voice ID: name a voice once and Shruta can recognise it in later recordings. Opt-in, stored only on your device, deletable any time. SEALED, NOT JUST LOCKED • Your password or passcode is turned into an encryption key using Argon2id; content is sealed with AES-256-GCM. • No account or remote reset. Spookwerk has no backdoor and cannot recover your content. While an already-unlocked vault has its key in memory, device-owner authentication can authorise a local password change. • Face ID / Touch ID unlock is optional, for convenience. The app locks itself when you leave it. NOTHING LEAVES YOUR DEVICE • Audio and transcripts are processed on-device and never uploaded for processing. There is no content sync. • No analytics, trackers, advertising, or third-party analytics SDKs. Zero data collection. • Content leaves Shruta only when you explicitly export it: copy a transcript, or share it as PDF or text. The export menu marks this boundary clearly. APPLE WATCH • Start and stop recordings from your watch. Audio moves to your paired iPhone over WatchConnectivity and is sealed there. Requires your iPhone nearby with Shruta set up. Shruta (Sanskrit: “that which was heard”) is built in the Netherlands by Spookwerk for conversations that deserve to stay between the people who had them: medical appointments, difficult talks, interviews, coaching sessions, and everything you would rather not hand to a cloud. The first use of a speech feature may download on-device model assets. Once the required models are present, processing works offline.
Screenshots
Verdict
The clearest difference is in-app purchases: FBTO Care app at none against Shruta's 1. On price, ads, device support and iOS requirement there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Shruta sells 1 one-off in-app purchase. FBTO Care app asks for nothing beyond the download.
| Parameter | FBTO Care app | Shruta |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (23 ratings) — better | — |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 23 — better | — |
| Update frequency | Every 3 weeks | — |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free | — |
| Devices | iPhone | iPhone, Apple Watch — better |
| Requires iOS | 18.0 | 17.0 — better |
| Further details — not scored | ||
| Size | 327 MB | 11 MB |
| Age rating | 4+ | 4+ |
| Developer | FBTO Zorgverzekeringen N.V. | Spookwerk |
In-app purchases
FBTO Care app
No in-app purchases
Shruta
- Shruta Premium$4.99









