I did recently read that the EHIC doesn't do what most people think it does - I thought it gave you emergency healthcare, but nothing which could wait. Does it not? I haven't actually found anything which tells you what it DOES cover. It just says "The equivalent to what locals would get" - what, insured locals, uninsured locals? All other EU countries have health insurance programs!
"You get treated the same way as a citizen of that country. If they get free medical treatment then you do too – if they pay, you pay the same rates. As this is a reciprocal agreement across Europe, it also means EU citizens can use the NHS in the same way."
"It only gives you access to state-run hospitals which, depending on where you travel to, can be few or far between, and more limited."
"Even in a state hospital using EHIC, you may still have to pay a substantial amount in some countries. Travel insurance should cover this, though using an EHIC may mean you won't need to pay the excess."
"While in the UK emergency treatment tends to be on the NHS, don't assume this type of coverage will always be available. You may be taken to a private hospital."
www.moneysavingexpert.com/travel/free-ehic-card
The NHS lists what is available under EHIC in each country www.nhs.uk/NHSEngland/Healthcareabroad/countryguide/Pages/EEAcountries.aspx
The OP may find it useful to know that in France she would be required to pay for all treatment up front, and claim it back (70% of the cost, not 100%)
Noit included in EHIC:
There will be a 20% copayment charge, and a hospital stay will cost E18 a day. You will also probably have to pay all or some of the prescription cost. If a doctor thinks you didn't need an ambulance, you'll play for that too.