Die premie is verskuldig.

Here die is the definite article, so it means the.

Afrikaans uses die for:

• singular nouns: die premie = the premium
• plural nouns: die premies = the premiums

Unlike languages such as German or Dutch, Afrikaans does not have grammatical gender for articles, so you do not need different forms like the masculine / the feminine / the neuter.

No. In Afrikaans, the article does not change for masculine, feminine, or neuter nouns.

So you simply get:

• die man = the man
• die vrou = the woman
• die kind = the child

That makes die premie straightforward: the noun does not force a special article form.

Is is the present-tense form of to be, just like English is.

So the structure is very similar to English:

• Die premie = the premium
• is = is
• verskuldig = due / owed / payable

This is a normal Afrikaans pattern: subject + is + adjective.

Examples:

• Die rekening is betaal. = The bill is paid.
• Die bedrag is korrek. = The amount is correct.
• Die premie is verskuldig. = The premium is due.

Verskuldig is an adjective here. It describes the state of the premium.

In this sentence it comes after is, so it is being used predicatively:

• Die premie is verskuldig.

That is like English:

• The premium is due.

A useful point for learners: adjectives in Afrikaans often stay in their basic form when they come after the verb.

Often, yes. When an adjective comes before a noun in Afrikaans, it frequently takes an -e ending.

So you may see:

• die verskuldigde premie = the due/owed premium

Compare:

• Die premie is verskuldig.
• die verskuldigde premie

This is a very common pattern in Afrikaans:

• after the verb: basic form
• before the noun: often an -e form

In normal full sentences, that would usually sound incomplete or unnatural.

Afrikaans normally wants an article here if you mean a specific premium:

• Die premie is verskuldig.

If you mean a premium rather than the premium, you would say:

• 'n premie is verskuldig

You might see article-less wording in headlines, labels, or very telegraphic business language, but for standard sentence building, keep the article.

Afrikaans usually uses double negation with nie ... nie.

So:

• Die premie is nie verskuldig nie. = The premium is not due.

This is a very important Afrikaans pattern. The first nie usually comes after the verb phrase, and the second nie goes near the end of the clause.

For a yes/no question, Afrikaans usually puts the verb first:

• Is die premie verskuldig? = Is the premium due?

That is very similar to English inversion:

• The premium is due.
• Is the premium due?

So this sentence is a nice example because the question pattern is easy to recognize.

Not quite. They can overlap, but the nuance is slightly different.

• verskuldig often means owed or due
• betaalbaar often means payable

So Die premie is verskuldig suggests that the premium is now owed / due for payment.

In business or legal contexts, verskuldig can sound a little more formal and obligation-focused.

The plural is premies.

So the plural version would be:

• Die premies is verskuldig.

Notice two things:

1. die stays the same
2. is also stays the same, because Afrikaans does not change the present-tense form of to be the way English does

Compare:

• Die premie is verskuldig. = The premium is due.
• Die premies is verskuldig. = The premiums are due.

That second sentence feels unusual in English because English changes is to are, but Afrikaans keeps is.