If you don't want to show a field when it's zero, you can use a visibility condition on that field.
In this case, the condition will probably need to be an expression such as
$currentObject/Premium != 0
This will only show the field if the Premium is not zero.
https://docs.mendix.com/refguide/common-widget-properties/#visibility-based-on-expression
I hope this helps.
so i need this message to show only when the Premium is 0 how do i go about doing that
You could also look at using a Validation Type of Custom on the Premium element on the page. You'd need an expression like
$value = 0
https://docs.mendix.com/refguide/common-widget-properties/#validation