The correct answer is D. All of the above.
A. Complainant has to approach a consumer forum before moving the Ombudsman.
This is incorrect because the complainant can directly approach the Ombudsman without approaching a consumer forum.
B. The complaint has to be lodged with in two year of the insurer rejecting the compliant.
This is incorrect because the complaint can be lodged within three years of the date of the incident or within two years of the date of the insurer rejecting the complaint, whichever is later.
C. There is no separate financial limit of various forum 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.
D. All of the above.
This is the correct answer because all of the above statements are incorrect.