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Một tài sản có giá thị trường 40 triệu đồng. Chủ tài sản mua bảo hiểm với số tiền bảo hiểm 20 triệu đồng. Thiệt hại tài sản thuộc phạm vi bảo hiểm là 20 triệu đồng.Bảo hiểm bồi thường bao nhiêu?

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