Regarding your query about submitting claims for the past 2 years - you will be re-imbursed as per Health Manager plan.
Note, as far as I know you are supposed to send in your claim within 3 months after your renewal date every year, ie, before November 2013.
While this years is fine, I'm not sure how strict they apply that rule say for the previous years expenses. VHI are strict in applying the 3 month rule after renewal date as a cut off point for sending in a claim.
I would fill out a separate claim form for each year, August to July, anyway and send them in before 1 November 2013.
You can also claim a refund from Revenue on a Form Med 1.
It is something to bear in mind every August, just after renewal date, to send in your outpatient day to day claim promptly to avoid losing out on a refund.
As regards your astronomical bill for E7,377pa, you can relax now having whittled it down to less than 2700 for the same hospital and outpatient cover, for the whole family. See all the details in your other post.
Regards, Snowyb