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Hello,
generally speaking all features are available without Premium but some of them will have more insights if you pay.
You can start from here to have an idea
On top of my mind these are the features behind a paywall (strictly related to device measurements):
- sleep insights (mainly HR during your sleep)
- stress score breakdown
- health metrics is restricted to one week only (as opposed to 1 month)
- Skin temperature is restricted to an average value during the night rather than having the graph
- Health report (this is quite nice actually being a PDF of the main data in one period that you might want to show to your doctor)
Honestly speaking Premium doesn't add anything so fundamental (I repeat, concerning devices measured data, then Premium adds also challenges, insights, workout videos that somebody might find interesting), however this represents the same reason why those functions shouldn't be restricted.