BECAUSE ACCIDENTS HAPPEN TO EVERYONE, ANYWHERE


ARE YOU SAFE AT EVERY MOMENT OF YOUR LIFE?


The best tool for combating anxiety: with personal accident insurance, you're protected 24 hours a day virtually anywhere in the world.

For those who don't want to wait


Continuous coverage 24 hours a day

At home, at work, or in my free time.

Coverage in virtually every part of the world

No matter where you are, you're protected.

Family Flexibility

Solutions that can cover your entire family.

Real financial support

Assistance with medical, hospitalization, or disability expenses.

A response to unpredictable situations

From falls to accidents while traveling.

Easy to sign up for and understand

Ideal for anyone who wants protection without the hassle.

What is covered?


Coverage in the Event of Accidental Death

Financial support for the designated beneficiaries.

Permanent disability

Compensation if you become disabled after an accident.

Medical and Hospitalization Expenses

This includes medical expenses and necessary care following the accident.

Funeral expenses

It helps the family cover the costs associated with the funeral.

Convalescence or Hospitalization Benefits

Additional payments while you recover.

Assistance to the Insured

Support services when you need immediate help.

Civil Liability

It may include coverage for unintentional damage to third parties.

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HOW DO YOU PREFER TO STAY PROTECTED IN YOUR DAY-TO-DAY LIFE?

Personal accident insurance covers you in all your activities, whether during your daily commute, in your free time, or while traveling. In the event of a sudden accident (a fall, an accident during your daily routine, or something similar), you can count on this insurance to cover your expenses.

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


What is a personal accident?
It is a sudden, unexpected, and external event that causes physical injury, disability, or death.
Does the insurance actually cover travel or trips?
Yes—many solutions provide 24-hour protection anywhere in the world (excluding countries at war or experiencing sociopolitical instability).
Does the insurance cover medical expenses following an accident?
Yes—the coverage may include treatment and hospitalization expenses.
What if I become permanently disabled due to an accident?
There are protections in place that guarantee compensation proportional to the degree of disability.

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