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Một hợp đồng bảo hiểm hỏa hoạn ngang giá trị có ghi: Số tiền bảo hiểm là 4 tỷ đồng, mức miễn thường có khấu trừ là 30 triệu đồng; Trong thời hạn bảo hiểm, do hỏa hoạn, tài sản bị thiệt hại, giá trị thiệt hại là 300 triệu đồng; chi phí dập tắt đám cháy là 45 triệu đồng. Xác định số tiền bồi thường chủ tài sản được nhận?

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