I think that if you have an EHIC card it is still valid until it expires. I think it will be replaced by another similar scheme.
Prior to me going to Spain early October I decided to take out another insurance policy which covered me for Covid. My LV annual policy didn’t. I stayed an additional 6 weeks and didn’t extend it...one of the conditions was that the policy had to be taken out before travel...I rang the insurers, they would speak to their underwriters etc etc. I never got it extended. Missed phone calls and I forgot about it.
From the limited amount I’ve read the 90 in 180 day rule can be overcome by obtaining a visa, something I did years ago when staying for an extended period in the USA.
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