I picked up this snippet somewhere here on the forums which might help

(credit to original author, whomever they are)
<?php
# Snippet to include template files from file system
# USAGE: [[includeTemplate? &tpl=`mytemplate/template.html`]]
if ( !isset($tpl) || $tpl== "" ) return "Missing Template file!";
$tpl = $base_path .'assets/templates/'.$tpl;
ob_start();
include($tpl);
return ob_get_clean();
?>
Whenever i write a snippet nowerdays i tend to have an external file and then just include that file in the snippet using php include, which saves on tedious copy and pasting during development.
I’ve found using this method also helps to keep your site cache file smaller, which is always a good thing.
In this case, the code I posted above would have to be in a snippet in the manager, then call that snippet in the content area of the chunk.
For example your chunk content would be:
[!includeTemplate? tpl=`path/to/the/file.html`!]