# Universal vs Mi Siembra

The clearest difference is review sentiment: Universal at 58% against Mi Siembra's 0%. Universal also leads on ads (none vs shown) and ratings volume (1.1K vs 8). Mi Siembra's advantage is rating (4.9 vs 4.7). On price, update cadence, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Mi Siembra holds the better App Store score, 4.9 against 4.7. That said, the two scores are not equally well evidenced: Universal has 1.1K ratings behind it against 8, so its average is the more settled of the two. Written reviews complicate that: 58% of Universal's written reviews are positive against 0% of Mi Siembra's, so the app with the better star average is not the one people write more warmly about.

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on September 26, 2026 and September 18, 2026 respectively.

## The numbers

| Metric | Universal | Mi Siembra |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (1.1K ratings)](https://appshunter.io/ios/app/universal/id553220289/reviews) | **[4.9 (8 ratings)](https://appshunter.io/ios/app/mi-siembra/id1495099098/reviews)** |
| Number of ratings | **1.1K** | 8 |
| Positive reviews | **58.3% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Monetization | **Free** | Ad-supported |
| Size | 179 MB | 76 MB |
| Requires iOS | 15.0 | **14.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Grupo Universal](https://appshunter.io/developer/909013508) | [AFP Siembra](https://appshunter.io/developer/1484141268) |

## 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


### Mi Siembra

[App page](https://appshunter.io/ios/app/mi-siembra/id1495099098)

Easily check your pension account balance, update personal information, and receive notifications. Project your future pension, view investment returns, and access contribution history. Connect directly to customer service and find office locations.

**Highlights:** Check pension account balance, Update personal data, Enable balance notifications, Project future pension, View investment returns, Access contribution history, Contact customer service

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Universal free?

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

### Is Mi Siembra free?

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

### Which has better reviews, Universal or Mi Siembra?

Mi Siembra is rated higher. Universal averages 4.7 out of 5 from 1.1K ratings, while Mi Siembra averages 4.9 from 8 ratings.

### Do Universal or Mi Siembra have ads?

Mi Siembra shows ads; Universal does not.

### Which is updated more often, Universal or Mi Siembra?

Universal ships an update every 3 weeks, and Mi Siembra every 3 weeks. Most recently, Universal was updated on September 26, 2026 and Mi Siembra on September 18, 2026.

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