Asked on 28 Sep 2018
Thanks! Greatly appreciate feedback.
For cash back with no caps, go for Amex True Cashback card.
just nice, your medical / health expenses can be charge using the first 6 months, get 3% cash back, up to 5k. Hence you charge 5k to this card and get $150 for the first 6 month. Subsequent fee , you can charge $700 (min spending) with BOC family visa card, spend on medical / healthcare fee to get 5% cap at $40. So you can spend $800 to get $40 cash back.
With above 5k + $800 gets $150 + 40 = $190.
Any other expenses you can continue to charge on the Amex True Cashback card since it has no caps and get 1.5% cash back.
Alternatively you can charge also on Standard Chartered Unlimited Cash back card which gives also 1.5% cash back with no caps and other string of benefits. :)
That should cover most of your hospital / healthcare spendings.
Happy Parenting! :)