The correct answer is D. All of the above.
A. Complainant has to approach a consumer forum before moving to the Ombudsman.
This is incorrect because a complainant can directly approach the Ombudsman without approaching a consumer forum first.
B. The complaint has to be lodged within two years of the insurer rejecting the compliant.
This is incorrect because the complaint has to be lodged within two years of the date of the incident that gave rise to the complaint.
C. There is no separate financial limit of various forums and commissions.
This is incorrect because there are separate financial limits for various forums and commissions. For example, the financial limit for the National Consumer Disputes Redressal Commission (NCDRC) is Rs. 20 lakhs.
I hope this helps!