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