# Universal vs AFP Reservas

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.

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.

## The numbers

| Metric | Universal | AFP Reservas |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (1.1K ratings)](https://appshunter.io/ios/app/universal/id553220289/reviews)** | [3.5 (2 ratings)](https://appshunter.io/ios/app/afp-reservas/id1488535361/reviews) |
| Number of ratings | **1.1K** | 2 |
| Positive reviews | **58.3% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 17 months |
| Monetization | Free | Free |
| Size | 179 MB | 64 MB |
| Requires iOS | 15.0 | **9.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Grupo Universal](https://appshunter.io/developer/909013508) | [ADMINISTRADORA DE FONDOS DE PENSIONES RESERVAS S.A.](https://appshunter.io/developer/1488535360) |

## What reviewers say

### Universal

[App page](https://appshunter.io/ios/app/universal/id553220289)

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.

**Highlights:** 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

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Efficient notifications
- 👍 Easy to use
- 👍 Helpful for managing insurance
- 🚀 Immediate notifications

**What reviewers complain about**

- 🐛 Crashes when accessing notifications
- 🐛 Incorrect plan information displayed
- 🐛 Unable to register with passport number
- 🐛 Unable to view caenets

**Reported bugs**

- Crashes when accessing notifications
- Incorrect plan information displayed
- Unable to register with passport number
- Unable to view caenets

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/afp-reservas/id1488535361)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Universal free?

Universal is free to download, with no in-app purchases.

### Is AFP Reservas free?

AFP Reservas is free to download, with no in-app purchases.

### Which has better reviews, Universal or AFP Reservas?

Universal is rated higher. Universal averages 4.7 out of 5 from 1.1K ratings, while AFP Reservas averages 3.5 from 2 ratings.

### Do Universal or AFP Reservas have ads?

Neither Universal nor AFP Reservas shows ads.

### Which is updated more often, Universal or AFP Reservas?

Universal ships an update every 3 weeks, and AFP Reservas every 17 months. Most recently, Universal was updated on September 26, 2026 and AFP Reservas on August 7, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*