HEALTH IS ONE OF THE BENEFITS MOST VALUED BY WORKERS


TAKING CARE OF PEOPLE MEANS TAKING CARE OF THE BUSINESS


Offering health insurance shows genuine concern for the people who make the company thrive. Group health insurance makes it easier for employees to access private medical care, promoting their well-being, motivation, and greater stability in their day-to-day work lives.

For those who don't want to wait


Faster access to health care

Consultations, tests, and treatments in the private sector.

A benefit valued by employees

It enhances the company's appeal as an employer.

Promoting Well-Being and Prevention

It encourages regular health checkups.

Reduction in absenteeism

Faster access to care may reduce prolonged absences.

Flexibility for different profiles

Solutions tailored to the size and circumstances of the company.

Supplement to the National Health System

It reinforces existing protection without replacing it.

What is covered?


Doctor's appointments

Access to appointments with various medical specialists.

Tests and Diagnostic Methods

Clinical tests and diagnostic tests.

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 facilities.

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HOW DO YOU WANT TO RECOGNIZE YOUR TEAM?

Group health insurance allows you to create a solution tailored to the size of your organization and the profile of your employees. With different levels of coverage and protection options, it is a strategic way to enhance employee benefits and make your company more competitive in attracting and retaining talent.

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


Is this insurance only for large companies?
No. There are solutions suitable for small, medium, and large businesses.
Can the insurance cover all employees?
Yes—insurance can be purchased for employees and may include coverage for their immediate family, subject to the specified terms and conditions.
Does 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.
Is it possible to adjust insurance coverage as the company grows?
Yes—the protection can be reviewed and adjusted as the company evolves.

Try it here!
Quick and with no obligation

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