It's the same as exchanging credit card points for gifts. Every time you pay the premium, you will get points, and so will the recommended customers. Gifts can be exchanged from July to August every year. The more points, the better the gift. If you don't redeem it, the points will continue to accumulate, and it is ok to redeem a good gift when you accumulate the most. Gifts are quite rich, including prepaid cards, yogurt machines, soymilk machines, card machines and computers. Since it is a value-added service, you can't expect a good gift, but it's better than nothing! It's not bad to exchange points for a soymilk machine for several years!