# Universal vs MI MAPFRE

The clearest difference is ratings volume: Universal at 1.1K against MI MAPFRE's 4. Universal also leads on rating (4.7 vs 4.5). MI MAPFRE's advantage is review sentiment (75% vs 58%). On price, update cadence, ads and in-app purchases 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 4.5. That said, the two scores are not equally well evidenced: Universal has 1.1K ratings behind it against 4, so its average is the more settled of the two. Written reviews complicate that: 58% of Universal's written reviews are positive against 75% of MI MAPFRE'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 21, 2026 and September 9, 2026 respectively.

## The numbers

| Metric | Universal | MI MAPFRE |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (1.1K ratings)](https://appshunter.io/ios/app/universal/id553220289/reviews)** | [4.5 (4 ratings)](https://appshunter.io/ios/app/mi-mapfre/id6450450267/reviews) |
| Number of ratings | **1.1K** | 4 |
| Positive reviews | 58.3% of reviews | **75.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Monetization | Free | Free |
| Size | 179 MB | 28 MB |
| Requires iOS | 15.0 | **14.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Grupo Universal](https://appshunter.io/developer/909013508) | [MAPFRE BHD Seguros](https://appshunter.io/developer/1693344763) |

## 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 MAPFRE

[App page](https://appshunter.io/ios/app/mi-mapfre/id6450450267)

Manage all your insurance policies, including auto, life, home, and travel, through a digital self-service platform. Access policy information, report claims, make payments, and request roadside assistance from any device, anytime.

**Highlights:** Policy consultation, Auto claim reporting, Claim status tracking, Policy payments, Roadside assistance requests, Product quotes, Document downloads, Data updates

**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 MAPFRE free?

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

### Which has better reviews, Universal or MI MAPFRE?

Universal is rated higher. Universal averages 4.7 out of 5 from 1.1K ratings, while MI MAPFRE averages 4.5 from 4 ratings.

### Do Universal or MI MAPFRE have ads?

Neither Universal nor MI MAPFRE shows ads.

### Which is updated more often, Universal or MI MAPFRE?

Universal ships an update every 3 weeks, and MI MAPFRE every 3 weeks. Most recently, Universal was updated on September 21, 2026 and MI MAPFRE on September 9, 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.*