# Universal vs Emede ETL

The clearest difference is update cadence: Universal at every 3 weeks against Emede ETL's every 2 months. Universal also leads on iOS requirement (15.0 vs 17.2). On price, ads, 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.

Universal ships an update every 3 weeks, Emede ETL every 2 months. Both last shipped on October 17, 2026.

## The numbers

| Metric | Universal | Emede ETL |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (1.1K ratings)](https://appshunter.io/ios/app/universal/id553220289/reviews)** | — |
| Number of ratings | **1.1K** | — |
| Positive reviews | 58.3% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 2 months |
| Monetization | Free | — |
| Size | 179 MB | 73 MB |
| Requires iOS | **15.0** | 17.2 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [Grupo Universal](https://appshunter.io/developer/909013508) | [ASESORAMIENTO Y DESARROLLO DE SISTEMAS INFORMATICOS SL](https://appshunter.io/developer/1492056928) |

## 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


### Emede ETL

[App page](https://appshunter.io/ios/app/emede-etl/id6756006399)

**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 Emede ETL free?

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

### Do Universal or Emede ETL have ads?

Neither Universal nor Emede ETL shows ads.

### Which is updated more often, Universal or Emede ETL?

Universal ships an update every 3 weeks, and Emede ETL every 2 months. Most recently, Universal was updated on October 17, 2026 and Emede ETL on October 17, 2026.

---

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