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<!-- Creation Date :2021-05-17T17:18:39.1222+00:00 -->
<!-- Copyright (c) 2021 Donnelly Financial Solutions, Inc. All Rights Reserved. -->
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  <xsd:element id="clov_DebtInstrumentRedeemedAndConvertedSharesIssued" name="DebtInstrumentRedeemedAndConvertedSharesIssued" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="clov_DebtInstrumentRedeemedSharesIssued" name="DebtInstrumentRedeemedSharesIssued" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLonger" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLonger" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPosition" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPosition" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionAccumulatedLoss" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionAccumulatedLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositions" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositions" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="clov_DeferredImplementationCosts" name="DeferredImplementationCosts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="clov_ExpirationDate" name="ExpirationDate" type="xbrli:dateItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="clov_FinancialAssetOrLiabilitiesTransferInAndOut" name="FinancialAssetOrLiabilitiesTransferInAndOut" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="clov_HeldToMaturitySecuritiesFairValueCurrent" name="HeldToMaturitySecuritiesFairValueCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="clov_HeldToMaturitySecuritiesFairValueNonCurrent" name="HeldToMaturitySecuritiesFairValueNonCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="clov_IncreaseDecreaseInFairValueAdjustmentOfWarrants" name="IncreaseDecreaseInFairValueAdjustmentOfWarrants" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="clov_IncreaseDecreaseInHealthcareReceivables" name="IncreaseDecreaseInHealthcareReceivables" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="clov_IncreaseDecreaseInOperatingLeaseRightOfUseAssets" name="IncreaseDecreaseInOperatingLeaseRightOfUseAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="clov_IncreaseDecreaseInPremiumDeficiencyReserve" name="IncreaseDecreaseInPremiumDeficiencyReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="clov_IncreaseDecreaseInUnpaidClaims" name="IncreaseDecreaseInUnpaidClaims" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="clov_InitialLeaseTermExpirationDate" name="InitialLeaseTermExpirationDate" type="xbrli:dateItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="clov_IssuanceOfCommonStockRelatedToWarrantsExercised" name="IssuanceOfCommonStockRelatedToWarrantsExercised" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="clov_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour" name="LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="clov_MaturityDateOfAdditionalObligation" name="MaturityDateOfAdditionalObligation" type="xbrli:dateItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="clov_MaturityDateOfInitialObligation" name="MaturityDateOfInitialObligation" type="xbrli:dateItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="clov_NotesAndSecuritiesPayableNetOfDiscountsAndDeferredIssuanceCosts" name="NotesAndSecuritiesPayableNetOfDiscountsAndDeferredIssuanceCosts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="clov_NumberOfFloorsOnLease" name="NumberOfFloorsOnLease" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="clov_NumberOfFloorsOnSubLease" name="NumberOfFloorsOnSubLease" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="clov_PercentageChargeForSecurityConversionUnderMergerAgreement" name="PercentageChargeForSecurityConversionUnderMergerAgreement" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="clov_ProceedsFromReverseCapitalizationNetOfTransactionCosts" name="ProceedsFromReverseCapitalizationNetOfTransactionCosts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="clov_ProceedsToPayObligationsAndWorkingCapital" name="ProceedsToPayObligationsAndWorkingCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="clov_ProRataAdjustmentsPercentage" name="ProRataAdjustmentsPercentage" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="clov_RatioOfCurrentYearMedicalClaimsPaidAsAPercentOfCurrentYearNetMedicalClaims" name="RatioOfCurrentYearMedicalClaimsPaidAsAPercentOfCurrentYearNetMedicalClaims" type="xbrli:pureItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="clov_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExercisedInPeriod" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExercisedInPeriod" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="clov_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExercisedWeightedAverageGrantDateFairValue" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExercisedWeightedAverageGrantDateFairValue" type="num:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="clov_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsStrikePrice" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsStrikePrice" type="num:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="clov_ShortTermLeaseCommencementDate" name="ShortTermLeaseCommencementDate" type="xbrli:dateItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="clov_StockIssuedDuringPeriodSharesBusinessCombinationAndOffering" name="StockIssuedDuringPeriodSharesBusinessCombinationAndOffering" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="clov_StockIssuedDuringPeriodSharesWarrantsExercised" name="StockIssuedDuringPeriodSharesWarrantsExercised" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="clov_StockIssuedDuringPeriodValueBusinessCombinationAndOffering" name="StockIssuedDuringPeriodValueBusinessCombinationAndOffering" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="clov_StockIssuedDuringPeriodValueWarrantsExercised" name="StockIssuedDuringPeriodValueWarrantsExercised" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="clov_SubLeaseTermExpirationDate" name="SubLeaseTermExpirationDate" type="xbrli:dateItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="clov_UncertainTaxPosition" name="UncertainTaxPosition" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="clov_UnfavorableDevelopmentRecognized" name="UnfavorableDevelopmentRecognized" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="clov_UnusedBalance" name="UnusedBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="clov_WarrantsPayableNoncurrent" name="WarrantsPayableNoncurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="clov_ReceivablesLineItems" name="ReceivablesLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_CarePointHealthContractMember" name="CarePointHealthContractMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_CloverHealthInvestmentsCorpMember" name="CloverHealthInvestmentsCorpMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_CommonClassAAndClassBMember" name="CommonClassAAndClassBMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_CommonClassZMember" name="CommonClassZMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_ConversionOfClassBToCommonClassAMember" name="ConversionOfClassBToCommonClassAMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_ConvertibleSecuritiesMember" name="ConvertibleSecuritiesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_LyndhurstLeaseMember" name="LyndhurstLeaseMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_MergerAgreementMember" name="MergerAgreementMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_MergerAgreementWithSCHMember" name="MergerAgreementWithSCHMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_MinnesotaLeaseMember" name="MinnesotaLeaseMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_MontgomeryLeasesMember" name="MontgomeryLeasesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_NonConvertibleNotesPayableMember" name="NonConvertibleNotesPayableMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_OptionsToPurchaseCommonStockMember" name="OptionsToPurchaseCommonStockMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_OtherHealthcareReceivablesMember" name="OtherHealthcareReceivablesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_OtherTrancheMember" name="OtherTrancheMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_PerformanceRestrictedStockUnitsMember" name="PerformanceRestrictedStockUnitsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_PrivatePlacementWarrantAndPublicWarrantMember" name="PrivatePlacementWarrantAndPublicWarrantMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_PrivatePlacementWarrantsMember" name="PrivatePlacementWarrantsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_PublicAndPrivatePlacementWarrantsMember" name="PublicAndPrivatePlacementWarrantsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_PublicWarrantsMember" name="PublicWarrantsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_QualifiedPublicOfferingMember" name="QualifiedPublicOfferingMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_RebateReceivablesMember" name="RebateReceivablesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_RedemptionOfWarrantPricePerShareEqualsOrExceeds10.00Member" name="RedemptionOfWarrantPricePerShareEqualsOrExceeds10.00Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_RedemptionOfWarrantPricePerShareEqualsOrExceeds18.00Member" name="RedemptionOfWarrantPricePerShareEqualsOrExceeds18.00Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_SanFranciscoLeasesMember" name="SanFranciscoLeasesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_SchAndMergerSubMember" name="SchAndMergerSubMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_SchClassAOrdinarySharesConvertedToCloverClassACommonStockMember" name="SchClassAOrdinarySharesConvertedToCloverClassACommonStockMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_SchSponsorIiiLlcMember" name="SchSponsorIiiLlcMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_SeekInsuranceServicesMember" name="SeekInsuranceServicesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_SocialCapitalHedosophiaHoldingsCorpIiiMember" name="SocialCapitalHedosophiaHoldingsCorpIiiMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_TennesseeLeaseMember" name="TennesseeLeaseMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_TrancheOneMember" name="TrancheOneMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_TwoThousandFourteenEquityIncentivePlanMember" name="TwoThousandFourteenEquityIncentivePlanMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_TwoThousandsTwentyEquityIncentivePlanMember" name="TwoThousandsTwentyEquityIncentivePlanMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_TwoThousandsTwentyManagementIncentivePlanMember" name="TwoThousandsTwentyManagementIncentivePlanMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_TwoThousandTwentyConvertibleNoteMember" name="TwoThousandTwentyConvertibleNoteMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_TwoThousandTwentyEquityAndManagementIncentivePlanMember" name="TwoThousandTwentyEquityAndManagementIncentivePlanMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_UnitOfRedeemableWarrantMember" name="UnitOfRedeemableWarrantMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_WarrantsPayableMember" name="WarrantsPayableMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_WarrantsToPurchaseCommonStockMember" name="WarrantsToPurchaseCommonStockMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_WarrantsToPurchaseConvertiblePreferredStockMember" name="WarrantsToPurchaseConvertiblePreferredStockMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_CloudComputingArrangementsPolicyTextBlock" name="CloudComputingArrangementsPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="clov_QuarterlyFinancialInformationPolicyPolicyTextBlock" name="QuarterlyFinancialInformationPolicyPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="clov_RisksAndUncertaintiesPolicyTextBlock" name="RisksAndUncertaintiesPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="clov_ReceivablesTable" name="ReceivablesTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="clov_ScheduleOfShareBasedCompensationWarrantsActivityTableTextBlock" name="ScheduleOfShareBasedCompensationWarrantsActivityTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="clov_AccountReceivablesTextBlock" name="AccountReceivablesTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="clov_AcquisitionCostsPolicyPolicyTextBlock" name="AcquisitionCostsPolicyPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="clov_EmergingGrowthCompanyPolicyPolicyTextBlock" name="EmergingGrowthCompanyPolicyPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="clov_ScheduleOfChangesInFairValueOfWarrantsPayableTableTextblock" name="ScheduleOfChangesInFairValueOfWarrantsPayableTableTextblock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="clov_WarrantsPayableDisclosureTextBlock" name="WarrantsPayableDisclosureTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
</xsd:schema>
