Comparison

Universal vs IPSA

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

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
Read full description

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.

About

IPSA

Access and manage your financial investments with detailed performance reports and planning tools. Explore various investment products like stocks and bonds, and simulate future scenarios to strategize your financial growth.

Highlights
  • Investment product consultation
  • Detailed performance reports
  • Investment simulation tools
  • Secure access to investment information
  • Financial planning assistance
Features
Read full description

La aplicación de Inversiones Popular está diseñada para brindar a los inversionistas una experiencia integral de consulta de sus productos financieros, permitiendo un acceso rápido y seguro a la información de sus inversiones en cualquier momento. Con IPSA, los usuarios pueden consultar todo tipo de productos de inversión, como fondos de inversión, acciones, bonos, y más. La plataforma ofrece reportes detallados de rendimiento, proporcionando una visión clara y transparente del estado y evolución de las inversiones a lo largo del tiempo. Además de la consulta, la app incluye herramientas adicionales como simuladores de inversión, que permiten explorar posibles escenarios y planificar estrategias financieras a futuro. Ideal tanto para inversionistas experimentados como para aquellos que desean iniciarse en el mundo de las inversiones con Inversiones Popular.

Screenshots

Universal4 screens
IPSA4 screens

Verdict

The call

The clearest difference is review sentiment: Universal at 58% against IPSA's 0%. Universal also leads on rating (4.7 vs 1.5) and ratings volume (1.1K vs 4). 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

Universal holds the better App Store score, 4.7 against 1.5. 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 point the same way: 58% of Universal's written reviews are positive against 0% of IPSA's.

UpkeepUpdate frequency

Universal ships an update every 3 weeks, IPSA every 3 months. The most recent releases landed on September 26, 2026 and September 14, 2026 respectively.

Scorecard4 real differences · 6 level
Universal versus IPSA: the parameters behind the verdict, then further details
ParameterUniversalIPSA
PriceFreeFree
Rating4.7 (1.1K ratings) — better1.5 (4 ratings)
Positive reviews58.3% of reviews — better0.0% of reviews
Number of ratings1.1K — better4
Update frequencyEvery 3 weeks — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.0 — better15.2
Further details — not scored
Size179 MB33 MB
Age rating4+4+
DeveloperGrupo UniversalInversiones Popular, S.A. Puesto de Bolsa

Customer experience

Universal

All ratings1,099 ratings
Positive93.8%
Neutral2.4%
Negative3.8%
Written reviews24 reviews
Positive58.3%
Neutral8.3%
Negative33.3%

IPSA

All ratings4 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews3 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

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

IPSA

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Universal

No in-app purchases

None

IPSA

No in-app purchases

Questions

Is Universal free?
Universal is free to download, with no in-app purchases.
Is IPSA free?
IPSA is free to download, with no in-app purchases.
Which has better reviews, Universal or IPSA?
Universal is rated higher. Universal averages 4.7 out of 5 from 1.1K ratings, while IPSA averages 1.5 from 4 ratings.
Do Universal or IPSA have ads?
Neither Universal nor IPSA shows ads.
Which is updated more often, Universal or IPSA?
Universal ships an update every 3 weeks, and IPSA every 3 months. Most recently, Universal was updated on September 26, 2026 and IPSA on September 14, 2026.

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