# Universal vs IPSA

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.

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 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.

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.

## The numbers

| Metric | Universal | IPSA |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (1.1K ratings)](https://appshunter.io/ios/app/universal/id553220289/reviews)** | [1.5 (4 ratings)](https://appshunter.io/ios/app/ipsa/id6468519569/reviews) |
| Number of ratings | **1.1K** | 4 |
| Positive reviews | **58.3% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 3 months |
| Monetization | Free | Free |
| Size | 179 MB | 33 MB |
| Requires iOS | **15.0** | 15.2 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Grupo Universal](https://appshunter.io/developer/909013508) | [Inversiones Popular, S.A. Puesto de Bolsa](https://appshunter.io/developer/1710040507) |

## 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


### IPSA

[App page](https://appshunter.io/ios/app/ipsa/id6468519569)

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:** macOS Compatibility

**In-app purchases:** none


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