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Một tài sản có giá thị trường là 100 triệu đồng, được mua bảo hiểm với tỷ lệ phí bảo hiểm 0,8%. Chủ tài sản đã nộp phí bảo hiểm là 400.000 đồng. Trong thời gian còn hiệu lực của hợp đồng bảo hiểm, tài sản gặp rủi ro thuộc phạm vi bảo hiểm, thiệt hại 40 triệu đồng. Số tiền bảo hiểm bồi thường là bao nhiêu?
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