Established in 1994, PHC’s products are underwritten by Great Lakes Reinsurance (UK) plc and reinsured by Munich Re. Munich Re is the world`s largest reinsurance group and Great Lakes Reinsurance (UK) plc is a wholly owned subsidiary of Munich Re. PHC specialises in medical insurance and their products are only marketed through high-quality specialist intermediaries, IFA`s and Insurance Brokers like Preferred Medical Ltd. PHC do not sell their medical insurance direct to either individuals or companies.