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


YOUR HEALTH CAN'T WAIT


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

For those who don't want to wait


Faster access to medical care

Consultations, tests, and treatments in the private sector.

Freedom of choice

The option to choose doctors, clinics, and hospitals.

Greater cost control

Reducing the financial impact of unpredictable healthcare expenses.

Regular health checkups

Support for prevention, diagnosis, and treatment.

Flexibility in use

Use according to each person's needs.

Supplement to the National Health Service

It enhances existing protection.

What is covered?


Doctor's appointments

Access to appointments with various medical specialists.

Tests and Diagnostic Methods

Tests, supplementary examinations, and clinical diagnoses.

Treatments and Therapies

Support for medical and therapeutic treatments.

Hospital admission

Coverage of expenses related to hospitalization.

Surgeries

Financial support for surgical procedures.

Emergency Room

Access to urgent care at private health facilities.

Additional options

Option to include additional coverage as needed.

Applicable Terms and Conditions

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

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ARE YOU DOING THE BEST YOU CAN FOR YOUR HEALTH?

Health insurance is tailored to your needs and lifestyle, giving you access to medical care whenever and however you need it.

How can we help?

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Dedicated Account Manager

We provide a dedicated consultant to assist you and answer your questions whenever you need it
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Evaluation

We analyze the best solution for you from among the offers available from our partner insurance companies
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Simulation

We have sent you a detailed simulation showing the most advantageous and suitable options
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Subscription

We guide you through the entire process, from start to finish, with your insurance

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

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?
It depends on the terms of the plan; you may have access to participating networks or be eligible for reimbursement of expenses.
Does health insurance cover doctor's visits and medical tests?
Yes—many plans include doctor visits, medical exams, and other medical care. They may also include sessions with alternative therapists, 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.

Try it here!
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