In a bowl, mix together the milk, cream cheese and minced onions.
In another bowl mix together the corn, ham and Cheddar cheese.
Lightly toss ingredients from both bowls together, and add salt and pepper to taste.
Pour into a greased 9 x 13 inch casserole dish.
Cover with foil, and bake in a preheated 350 degree oven for around 35-40 minutes or till everything is hot throughout and the cheese is nicely melted.