premium vs charge

premium and charge both are nouns.

Word	Noun	Adjective	Verb	Adverb
premium	Yes	Yes	No	No
charge	Yes	No	Yes	No

As nouns, charge is a hypernym of premium; that is, charge is a word with a broader meaning than premium:

premium (noun)	charge (noun)
the amount that something in scarce supply is valued above its nominal value	attention and management implying responsibility for safety
payment or reward (especially from a government) for acts such as catching criminals or killing predatory animals or enlisting in the military	an impetuous rush toward someone or something
payment for insurance	a special assignment that is given to a person or group
a fee charged for exchanging currencies	a quantity of explosive to be set off at one time
a prize, bonus, or award given as an inducement to purchase products, enter competitions initiated by business interests, etc.	heraldry consisting of a design or image depicted on a shield
	(criminal law) a pleading describing some wrong or offense
	a formal statement of a command or injunction to do something
	request for payment of a debt
	an assertion that someone is guilty of a fault or offence
	the swift release of a store of affective force
	(psychoanalysis) the libidinal energy invested in some idea or person or object
	a person committed to your care
	the quantity of unbalanced electricity in a body (either positive or negative) and construed as an excess or deficiency of electrons
	financial liabilities (such as a tax)
	the price charged for some article or service

premium (adjective)	charge (adjective)
having or reflecting superior quality or value; having a higher price or cost

premium (verb)	charge (verb)
	energize a battery by passing a current through it in the direction opposite to discharge
	cause formation of a net electrical charge in or on
	saturate
	attribute responsibility to
	set or ask for a certain price
	file a formal charge against
	impose a task upon, assign a responsibility to
	blame for, make a claim of wrongdoing or misbehavior against
	make an accusatory claim
	instruct or command with authority
	instruct (a jury) about the law, its application, and the weighing of evidence
	to make a rush at or sudden attack upon, as in battle
	direct into a position for use
	fill or load to capacity
	provide (a device) with something necessary
	place a heraldic bearing on
	cause to be agitated, excited, or roused
	move quickly and violently
	lie down on command, of hunting dogs
	pay with a credit card; pay with plastic money; postpone payment by recording a purchase as a debt
	enter a certain amount as a charge
	demand payment
	give over to another for care or safekeeping
	cause to be admitted; of persons to an institution
	assign a duty, responsibility or obligation to