Universal vs AFP Reservas
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Universal
Access your insurance products, coverage, and services. Manage health benefits, make payments, view your network, and access digital insurance cards. Also, handle auto insurance claims and roadside assistance, plus manage investment funds.
- View insurance products and coverage
- Manage health benefits and pharmacy coverage
- Make online payments
- Access digital insurance cards
- Submit and track claims
- Request roadside assistance
- Manage investment funds
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Si eres asegurado principal en la App Universal obtienes información de tus productos, coberturas y servicios. Asegúrate de tener activo tu usuario de Universal en Línea para que puedas utilizar todas las funciones y ahorres tiempo. Soluciones seguros de salud: Cobertura de Medicamentos: Consulta de cobertura, monto disponible y precio estimado en farmacia. Pagos: Realiza pagos en línea de tus productos en pesos con tus tarjetas Visa, Mastercard y American Express. Solicita tus recibos y estados de cuenta. Mi red de salud: Consulta la red de salud de tu plan. Mis carnets: Ten disponible tu carnet y el de tus dependientes de manera digital en cualquiera de tus productos de Universal. Mi reembolso: Ahorra tiempo solicitando y revisando el estatus de tu reembolso. Salud Universal: Consejos de salud y nutrición Combo Seguro (auto) Reclamaciones: Ahorra tiempo solicitando y revisando el estatus de tu reclamación. Asistencia: Solicita servicio de grúa, cambio de gomas, carga de baterías, entre otros más. Combo AFI Fondos de Inversión: Gestiona tus fondos, realiza aportes, solicita rescates y consulta tu estado de cuentas cuando quieras.
AFP Reservas
Manage your pension account and stay informed about the Dominican Pension System. Check your balance, update personal details, and track requests. Project your pension and contributions, and explore benefit pre-applications.
- Consult pension account balance
- Update personal details
- Track claims and requests
- Request account summary
- Project pension and contributions
- Pre-apply for benefits
- Stay informed on pension news
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Utilizando la App de AFP Reservas, estarás siempre informado sobre tu cuenta de pensiones y de las informaciones más importantes del Sistema de Pensiones Dominicano. Funcionalidades: * Consultar el saldo actual de tu Cuenta de Capitalización Individual (CCI) y el detalle de los aportes realizados. * Actualizar tus datos personales. * Realizar reclamaciones y dar seguimiento a tus solicitudes. Solicitar tu resumen de cuenta. * Realizar proyección de pensión y cálculo de aportes. * Realizar pre-solicitudes de Beneficios. * Mantenerte informado sobre las novedades y noticias de interés relacionadas al Sistema de Pensiones Dominicano. ¡Descárgala y disfruta de las funcionalidades que te ofrece!
Screenshots
Verdict
The clearest difference is review sentiment: Universal at 58% against AFP Reservas's 0%. Universal also leads on rating (4.7 vs 3.5) and update cadence (every 3 weeks vs every 17 months). AFP Reservas's advantage is iOS requirement (9.0 vs 15.0). On price, ads, in-app purchases and monetization model 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. Neither carries in-app purchases, so what you see is what you pay.
Universal holds the better App Store score, 4.7 against 3.5. That said, the two scores are not equally well evidenced: Universal has 1.1K ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 58% of Universal's written reviews are positive against 0% of AFP Reservas's.
Universal ships an update every 3 weeks, AFP Reservas every 17 months. The most recent releases landed on September 26, 2026 and August 7, 2026 respectively.
| Parameter | Universal | AFP Reservas |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (1.1K ratings) — better | 3.5 (2 ratings) |
| Positive reviews | 58.3% of reviews — better | 0.0% of reviews |
| Number of ratings | 1.1K — better | 2 |
| Update frequency | Every 3 weeks — better | Every 17 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.0 | 9.0 — better |
| Further details — not scored | ||
| Size | 179 MB | 64 MB |
| Age rating | 4+ | 4+ |
| Developer | Grupo Universal | ADMINISTRADORA DE FONDOS DE PENSIONES RESERVAS S.A. |
Customer experience
Universal
AFP Reservas
Bugs and requests
Universal
Reported bugs
4 issues- Crashes when accessing notifications
- Incorrect plan information displayed
- Unable to register with passport number
- Unable to view caenets
Requested features
4 requests- Add email to report errors
- Improve provider selection when names are long
- Add ability to record personal medical information
- Integrate provider coverage and plan details
AFP Reservas
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Universal
No in-app purchases
AFP Reservas
No in-app purchases
