# Universal vs Declara

The clearest difference is in-app purchases: Universal at none against Declara's 3. Declara's advantage is update cadence (weekly vs every 4 weeks). On price, ads, device support and iOS requirement there is nothing between them.

Both are free to download. Declara sells 3 in-app purchases, starting at $9.99 per month. Universal asks for nothing beyond the download.

Universal ships an update every 4 weeks, Declara weekly. Both last shipped on November 6, 2026.

## The numbers

| Metric | Universal | Declara |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (1.1K ratings)](https://appshunter.io/ios/app/universal/id553220289/reviews)** | — |
| Number of ratings | **1.1K** | — |
| Positive reviews | 60.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 4 weeks | **Weekly** |
| Monetization | Free | — |
| Size | 179 MB | 16 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Grupo Universal](https://appshunter.io/developer/909013508) | [Agua Cojobal S.R.L.](https://appshunter.io/developer/6799142283) |

## 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


### Declara

[App page](https://appshunter.io/ios/app/declara/id6799142281)

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro | $9.99 | per month |
| Business | $19.99 | per month |
| Contador | $49.99 | per month |


## Frequently asked questions

### Is Universal free?

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

### Is Declara free?

Declara is free to download, with in-app purchases available.

### Do Universal or Declara have ads?

Neither Universal nor Declara shows ads.

### Which is updated more often, Universal or Declara?

Universal ships an update every 4 weeks, and Declara weekly. Most recently, Universal was updated on November 6, 2026 and Declara on November 6, 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.*