The problem with EHIC, is that many doctors will not treat patients without the back up of travel insurance. I have also read that any treatment that is offered by doctors and hospitals, varies significantly around the EU. I certainly would not wish to fall ill of have an accident without a decent travel insurance policy. Quite a good number are now offering some Covid cover, but that would be null and void if the FCO advice remains 'as is'.
https://www.which.co.uk/news/2020/06...ty-guidelines/