TAKE CARE OF YOUR HEALTH. THE WAY YOU WANT. WITHOUT DELAY.


YOUR HEALTH CAN'T WAIT


With the right health insurance, you know you’ll get a faster and more suitable solution to your needs. You can count on easier access to private care, with shorter waiting times and more medical provider options to choose from.

For those who can't afford to wait


Faster access to medical care

Appointments, exams, and treatments in the private sector

Freedom of choice

The possibility of choosing doctors, clinics, and hospitals.

Greater cost control

Reducing the financial impact of unpredictable healthcare expenses

Access to regular health checkups

Supporting early prevention, diagnosis, and treatment.

Flexibility

Different uses for different needs.

An addition to the National Health Service

Strengthens the existing protection.

What does the insurance cover?


Medical appointments

Access to various medical specialities

Exams and Diagnostics

Tests, additional tests and clinical diagnosis.

Treatments and Therapies

Access to medical treatments and therapy

Hospitalization

Covers expenses related to hospital admission and stay.

Surgeries

Financial support for surgical procedures.

Urgent care

Access to urgent care at private health facilities.

Additional coverage

Added coverage options depending on your needs.

Applicable Terms and Conditions

The coverage depends on the options selected and may vary depending on the chosen plan.

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ARE YOU TAKING CARE OF YOUR HEALTH?

The best health insurance is tailored to your needs and lifestyle, giving you access to medical care whenever you need it.

How can we help?

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Dedicated Consultant

You'll have na exclusive dedicated consultant to assist you and answer any questions you may have at anytime.
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Assessment

We go through the best solutions available from our partner insurance companies.
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Insurance Quote

We'll send you a detailed quote with the most advantageous and suitable options.
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Subscription

We help you through the entire process, from start to finish.

THE STARS SPEAK FOR THEMSELVES.
AND OUR CUSTOMERS SPEAK FOR US.

Ana Rita Fernandes

I would like to take this opportunity to express my appreciation for the professionalism and quality of service provided by your employee, Carla Aires.

I would like to highlight your responsiveness, efficiency, and clear communication, which contributed to a very positive experience.

Best regards
Ana Rita Fernandes

Victor Sambo

very good

Ernesto Dias

An extremely competent professional. I switched my home insurance without having to worry about the red tape involved. I’m satisfied not only because I was able to significantly lower my insurance premium, but also because of the professionalism, care, and competence shown in guiding me through the entire process.
I highly recommend Mr. Klycharlles Barners.

Carla Bom

I’m giving a 10-star recommendation for the service I’ve received from Klycharlles Barners and EXS SEGUROS. I’ve been a client for several years, with various types of insurance policies, and I’ll continue to purchase all my insurance through him. He is a highly competent professional who is always available, demonstrates deep knowledge of the insurance field, consistently presents the solutions best suited to the client’s needs, and, above all, inspires confidence in the service he provides. I highly recommend him!!!

Hugo Conceição

Klycharlles Barners 5*

Carla Santos

I highly recommend the services of EXS Seguros. They are extremely competent and dedicated professionals who are always available to answer any questions. They demonstrate a deep understanding of the insurance industry and consistently provide solutions best suited to the client’s needs. Their ethical approach and professionalism inspire confidence and reassurance. Without a doubt, an excellent insurance agent.

Jorge Silva

Kly is an excellent professional—someone who, within the company, followed up on my cases (mine and my wife’s) and went from being an employee to a friend, even though we’ve only ever spoken on the phone. I highly recommend him, as he is competent, trustworthy, and reliable—qualities that are hard to find these days. Congratulations to the company for having a professional like him.

Nuno Gomes

I’ve been a client of the company for almost 3 years, and I’ve always worked with Clycharlles Barners to handle my needs. The support provided has been excellent. Clycharlles has always demonstrated great professionalism, competence, and complete transparency in all the information provided. He is clear, approachable, and inspires confidence. I am very satisfied with the service provided. Keep up the good work.

Rafael Castro

Highly recommended. Awesome service, efficient and clear communication, and the best prices. Andreia Jacques was our dedicated agent, and we couldn’t be happier with her service. She made us feel like we were her only client and her top priority.

Gustavo Gonçalves

I recently had the pleasure of working with Klycharlles Barners at EXS on my personal insurance, and I can’t recommend him highly enough. Thank you, Charles.

Find the answers to your questions


Does private health insurance replace the National Health Service?
No. Health insurance serves as an excellent supplement to the National Health Service. Health insurance has specific exclusions and conditions regarding pre-existing conditions, as well as coverage limits and age restrictions. However, it can be very important in providing faster and more specialized access to appointments, tests, treatments, and procedures.
Can I use my insurance at any doctor's office or hospital?
t depends on your health insurance conditions; you may have access to a particular network of health providers or be eligible for reimbursement of expenses.
Does a health insurance cover doctor's appointments and medical examinations?
Yes—many plans include doctor visits, medical exams, and other medical care. They may also include sessions with alternative therapies, psychologists, and other specialists.
Can I purchase health insurance on my own?
Yes—there are solutions designed for individual use, tailored to each person's needs.

Get a quick quote!
No commitment required.

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