Assigning HTML contents to PHP variables
If its raw HTML, with no PHP in it, stored in separate file it would be just
$a_div = file_get_contents('email.html');
If it's PHP file with HTML mixed with PHP then include it using output buffering like in Robik's answer.
ob_start();
include 'mail.template.php';
$a_div = ob_get_contents();
But if it's relatively small, I'd use HEREDOC
$a_div = <<<HERE
<div>Contents goes <b>here</b></div>
HERE;
Try with ob_get_contents: ob_get_contents()
or ob_get_clean()
<?php ob_start(); ?>
<div>Contents goes <b>here</b></div>
<?php $contents = ob_get_contents(); ?>