I have taken the Easy Health Policy of Apollo Munich almost 2 years ago. I would like to share some points of my policy.

First of all, naturally their expertise and relation to the Apollo Group of Hospitals cannot be denied.
Another point that differentiates them is that they have lifelong renewal. You will not have to worry about your health costs for the rest of your life.
Thirdly, they have no sublimits on room rent when hospitalised.

You seem to be worried about the increase in premium. The premium will not increase when you claim. It will only increase when you enter the next age band, which I think is 36 years and above.
When it comes to critical illness cover, 50k is far from enough, more will be required.
You have said that Religare will give a fixed amount whatever your hospital bills. But what if the bills are more than that amount?

I am very happy with my policy from Apollo Munich, and I claimed for my wife 4 months back. It was a smooth process. I took cashless hospitalisation.

I would encourage you to go with Apollo Munich. It has a good reputation too, it gives what it promises.

Rgds,
Amit