<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with Wdesk from Workiva-->
<!--Copyright 2023 Workiva-->
<!--r:20b64b82-c946-4b4b-bd31-f995511a6a73,g:aa73ec5f-8135-4674-97b7-f822c10124c0-->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:clov="http://www.cloverhealth/20230331" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2020-01-21" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.cloverhealth/20230331">
  <xs:import namespace="http://fasb.org/srt/2022" schemaLocation="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd"/>
  <xs:import namespace="http://fasb.org/us-gaap/2022" schemaLocation="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd"/>
  <xs:import namespace="http://www.w3.org/1999/xlink" schemaLocation="http://www.xbrl.org/2003/xlink-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2020-01-21" schemaLocation="https://www.xbrl.org/dtr/type/2020-01-21/types.xsd"/>
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/dei/2022" schemaLocation="https://xbrl.sec.gov/dei/2022/dei-2022.xsd"/>
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="clov-20230331_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="clov-20230331_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="clov-20230331_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="clov-20230331_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="Cover" roleURI="http://www.cloverhealth/role/Cover">
        <link:definition>0000001 - Document - Cover</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONDENSEDCONSOLIDATEDBALANCESHEETS" roleURI="http://www.cloverhealth/role/CONDENSEDCONSOLIDATEDBALANCESHEETS">
        <link:definition>0000002 - Statement - CONDENSED CONSOLIDATED BALANCE SHEETS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONDENSEDCONSOLIDATEDBALANCESHEETSParenthetical" roleURI="http://www.cloverhealth/role/CONDENSEDCONSOLIDATEDBALANCESHEETSParenthetical">
        <link:definition>0000003 - Statement - CONDENSED CONSOLIDATED BALANCE SHEETS (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONSANDCOMPREHENSIVELOSSUnaudited" roleURI="http://www.cloverhealth/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONSANDCOMPREHENSIVELOSSUnaudited">
        <link:definition>0000004 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE LOSS (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONSANDCOMPREHENSIVELOSSUnauditedParenthetical" roleURI="http://www.cloverhealth/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONSANDCOMPREHENSIVELOSSUnauditedParenthetical">
        <link:definition>0000005 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE LOSS (Unaudited) (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONDENSEDCONSOLIDATEDSTATEMENTSOFCHANGESINCONVERTIBLEPREFERREDSTOCKANDSTOCKHOLDERSEQUITYUnaudited" roleURI="http://www.cloverhealth/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCHANGESINCONVERTIBLEPREFERREDSTOCKANDSTOCKHOLDERSEQUITYUnaudited">
        <link:definition>0000006 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN CONVERTIBLE PREFERRED STOCK AND STOCKHOLDERS' EQUITY (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWSUnaudited" roleURI="http://www.cloverhealth/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWSUnaudited">
        <link:definition>0000007 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OrganizationandOperations" roleURI="http://www.cloverhealth/role/OrganizationandOperations">
        <link:definition>0000008 - Disclosure - Organization and Operations</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPolicies" roleURI="http://www.cloverhealth/role/SummaryofSignificantAccountingPolicies">
        <link:definition>0000009 - Disclosure - Summary of Significant Accounting Policies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecurities" roleURI="http://www.cloverhealth/role/InvestmentSecurities">
        <link:definition>0000010 - Disclosure - Investment Securities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurements" roleURI="http://www.cloverhealth/role/FairValueMeasurements">
        <link:definition>0000011 - Disclosure - Fair Value Measurements</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="HealthcareReceivables" roleURI="http://www.cloverhealth/role/HealthcareReceivables">
        <link:definition>0000012 - Disclosure - Healthcare Receivables</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RelatedPartyTransactions" roleURI="http://www.cloverhealth/role/RelatedPartyTransactions">
        <link:definition>0000013 - Disclosure - Related Party Transactions</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="UnpaidClaims" roleURI="http://www.cloverhealth/role/UnpaidClaims">
        <link:definition>0000014 - Disclosure - Unpaid Claims</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LetterofCredit" roleURI="http://www.cloverhealth/role/LetterofCredit">
        <link:definition>0000015 - Disclosure - Letter of Credit</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockholdersEquityandConvertiblePreferredStock" roleURI="http://www.cloverhealth/role/StockholdersEquityandConvertiblePreferredStock">
        <link:definition>0000016 - Disclosure - Stockholders' Equity and Convertible Preferred Stock</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="VariableInterestEntityandEquityMethodofAccounting" roleURI="http://www.cloverhealth/role/VariableInterestEntityandEquityMethodofAccounting">
        <link:definition>0000017 - Disclosure - Variable Interest Entity and Equity Method of Accounting</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitPlans" roleURI="http://www.cloverhealth/role/EmployeeBenefitPlans">
        <link:definition>0000018 - Disclosure - Employee Benefit Plans</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxes" roleURI="http://www.cloverhealth/role/IncomeTaxes">
        <link:definition>0000019 - Disclosure - Income Taxes</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NetLossperShare" roleURI="http://www.cloverhealth/role/NetLossperShare">
        <link:definition>0000020 - Disclosure - Net Loss per Share</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsandContingencies" roleURI="http://www.cloverhealth/role/CommitmentsandContingencies">
        <link:definition>0000021 - Disclosure - Commitments and Contingencies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NonInsurance" roleURI="http://www.cloverhealth/role/NonInsurance">
        <link:definition>0000022 - Disclosure - Non-Insurance</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OperatingSegments" roleURI="http://www.cloverhealth/role/OperatingSegments">
        <link:definition>0000023 - Disclosure - Operating Segments</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DividendRestrictions" roleURI="http://www.cloverhealth/role/DividendRestrictions">
        <link:definition>0000024 - Disclosure - Dividend Restrictions</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SubsequentEvents" roleURI="http://www.cloverhealth/role/SubsequentEvents">
        <link:definition>0000025 - Disclosure - Subsequent Events</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPoliciesPolicies" roleURI="http://www.cloverhealth/role/SummaryofSignificantAccountingPoliciesPolicies">
        <link:definition>0000026 - Disclosure - Summary of Significant Accounting Policies (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPoliciesTables" roleURI="http://www.cloverhealth/role/SummaryofSignificantAccountingPoliciesTables">
        <link:definition>0000027 - Disclosure - Summary of Significant Accounting Policies (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesTables" roleURI="http://www.cloverhealth/role/InvestmentSecuritiesTables">
        <link:definition>0000028 - Disclosure - Investment Securities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsTables" roleURI="http://www.cloverhealth/role/FairValueMeasurementsTables">
        <link:definition>0000029 - Disclosure - Fair Value Measurements (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="UnpaidClaimsTables" roleURI="http://www.cloverhealth/role/UnpaidClaimsTables">
        <link:definition>0000030 - Disclosure - Unpaid Claims (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitPlansTables" roleURI="http://www.cloverhealth/role/EmployeeBenefitPlansTables">
        <link:definition>0000031 - Disclosure - Employee Benefit Plans (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NetLossperShareTables" roleURI="http://www.cloverhealth/role/NetLossperShareTables">
        <link:definition>0000032 - Disclosure - Net Loss per Share (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NonInsuranceTables" roleURI="http://www.cloverhealth/role/NonInsuranceTables">
        <link:definition>0000033 - Disclosure - Non-Insurance (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OperatingSegmentsTables" roleURI="http://www.cloverhealth/role/OperatingSegmentsTables">
        <link:definition>0000034 - Disclosure - Operating Segments (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OrganizationandOperationsDetails" roleURI="http://www.cloverhealth/role/OrganizationandOperationsDetails">
        <link:definition>0000035 - Disclosure - Organization and Operations (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPoliciesNarrativeDetails" roleURI="http://www.cloverhealth/role/SummaryofSignificantAccountingPoliciesNarrativeDetails">
        <link:definition>0000036 - Disclosure - Summary of Significant Accounting Policies - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPoliciesCompanysCondensedConsolidatedStatementofComprehensiveIncomeDetails" roleURI="http://www.cloverhealth/role/SummaryofSignificantAccountingPoliciesCompanysCondensedConsolidatedStatementofComprehensiveIncomeDetails">
        <link:definition>0000037 - Disclosure - Summary of Significant Accounting Policies - Company's Condensed Consolidated Statement of Comprehensive Income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPoliciesCompanysCondensedConsolidatedBalanceSheetDetails" roleURI="http://www.cloverhealth/role/SummaryofSignificantAccountingPoliciesCompanysCondensedConsolidatedBalanceSheetDetails">
        <link:definition>0000038 - Disclosure - Summary of Significant Accounting Policies - Company's Condensed Consolidated Balance Sheet (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesScheduleofPresentCostorAmortizedCostandFairValuesofInvestmentsDetails" roleURI="http://www.cloverhealth/role/InvestmentSecuritiesScheduleofPresentCostorAmortizedCostandFairValuesofInvestmentsDetails">
        <link:definition>0000039 - Disclosure - Investment Securities - Schedule of Present Cost or Amortized Cost and Fair Values of Investments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesScheduleofPresentCostorAmortizedCostandFairValuesofInvestmentsDetails_1" roleURI="http://www.cloverhealth/role/InvestmentSecuritiesScheduleofPresentCostorAmortizedCostandFairValuesofInvestmentsDetails_1">
        <link:definition>0000039 - Disclosure - Investment Securities - Schedule of Present Cost or Amortized Cost and Fair Values of Investments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesScheduleofAmortizedCostandFairValueofDebtSecuritiesDetails" roleURI="http://www.cloverhealth/role/InvestmentSecuritiesScheduleofAmortizedCostandFairValueofDebtSecuritiesDetails">
        <link:definition>0000040 - Disclosure - Investment Securities - Schedule of Amortized Cost and Fair Value of Debt Securities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesScheduleofNetInvestmentIncomeDetails" roleURI="http://www.cloverhealth/role/InvestmentSecuritiesScheduleofNetInvestmentIncomeDetails">
        <link:definition>0000041 - Disclosure - Investment Securities - Schedule of Net Investment Income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesScheduleofGrossUnrealizedLossesandFairValueDetails" roleURI="http://www.cloverhealth/role/InvestmentSecuritiesScheduleofGrossUnrealizedLossesandFairValueDetails">
        <link:definition>0000042 - Disclosure - Investment Securities - Schedule of Gross Unrealized Losses and Fair Value (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesAdditionalInformationDetails" roleURI="http://www.cloverhealth/role/InvestmentSecuritiesAdditionalInformationDetails">
        <link:definition>0000043 - Disclosure - Investment Securities - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesProceedsfromSalesandMaturitiesofInvestmentSecuritiesDetails" roleURI="http://www.cloverhealth/role/InvestmentSecuritiesProceedsfromSalesandMaturitiesofInvestmentSecuritiesDetails">
        <link:definition>0000044 - Disclosure - Investment Securities - Proceeds from Sales and Maturities of Investment Securities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsSummaryofFairValueMeasurementsforItemsDetails" roleURI="http://www.cloverhealth/role/FairValueMeasurementsSummaryofFairValueMeasurementsforItemsDetails">
        <link:definition>0000045 - Disclosure - Fair Value Measurements - Summary of Fair Value Measurements for Items (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsScheduleofChangesinBalancesofLevel3FinancialLiabilitiesDetails" roleURI="http://www.cloverhealth/role/FairValueMeasurementsScheduleofChangesinBalancesofLevel3FinancialLiabilitiesDetails">
        <link:definition>0000046 - Disclosure - Fair Value Measurements - Schedule of Changes in Balances of Level 3 Financial Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsAdditionalInformationDetails" roleURI="http://www.cloverhealth/role/FairValueMeasurementsAdditionalInformationDetails">
        <link:definition>0000047 - Disclosure - Fair Value Measurements - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="HealthcareReceivablesDetails" roleURI="http://www.cloverhealth/role/HealthcareReceivablesDetails">
        <link:definition>0000048 - Disclosure - Healthcare Receivables (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RelatedPartyTransactionsDetails" roleURI="http://www.cloverhealth/role/RelatedPartyTransactionsDetails">
        <link:definition>0000049 - Disclosure - Related-Party Transactions (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="UnpaidClaimsActivityinLiabilityforUnpaidClaimsandClaimsAdjustmentExpenseDetails" roleURI="http://www.cloverhealth/role/UnpaidClaimsActivityinLiabilityforUnpaidClaimsandClaimsAdjustmentExpenseDetails">
        <link:definition>0000050 - Disclosure - Unpaid Claims - Activity in Liability for Unpaid Claims and Claims Adjustment Expense (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="UnpaidClaimsAdditionalinformationDetails" roleURI="http://www.cloverhealth/role/UnpaidClaimsAdditionalinformationDetails">
        <link:definition>0000051 - Disclosure - Unpaid Claims - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LetterofCreditDetails" roleURI="http://www.cloverhealth/role/LetterofCreditDetails">
        <link:definition>0000052 - Disclosure - Letter of Credit (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockholdersEquityandConvertiblePreferredStockDetails" roleURI="http://www.cloverhealth/role/StockholdersEquityandConvertiblePreferredStockDetails">
        <link:definition>0000053 - Disclosure - Stockholders' Equity and Convertible Preferred Stock (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="VariableInterestEntityandEquityMethodofAccountingDetails" roleURI="http://www.cloverhealth/role/VariableInterestEntityandEquityMethodofAccountingDetails">
        <link:definition>0000054 - Disclosure - Variable Interest Entity and Equity Method of Accounting (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitPlansAdditionalInformationDetails" roleURI="http://www.cloverhealth/role/EmployeeBenefitPlansAdditionalInformationDetails">
        <link:definition>0000055 - Disclosure - Employee Benefit Plans - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitPlansShareBasedPaymentArrangementActivityDetails" roleURI="http://www.cloverhealth/role/EmployeeBenefitPlansShareBasedPaymentArrangementActivityDetails">
        <link:definition>0000056 - Disclosure - Employee Benefit Plans - Share-Based Payment Arrangement, Activity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitPlansSummaryofStockBasedCompensationCostDetails" roleURI="http://www.cloverhealth/role/EmployeeBenefitPlansSummaryofStockBasedCompensationCostDetails">
        <link:definition>0000057 - Disclosure - Employee Benefit Plans - Summary of Stock-Based Compensation Cost (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitPlansSummaryofStockOptionActivityDetails" roleURI="http://www.cloverhealth/role/EmployeeBenefitPlansSummaryofStockOptionActivityDetails">
        <link:definition>0000058 - Disclosure - Employee Benefit Plans - Summary of Stock Option Activity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitPlansSummaryofTotalRSUsActivityDetails" roleURI="http://www.cloverhealth/role/EmployeeBenefitPlansSummaryofTotalRSUsActivityDetails">
        <link:definition>0000059 - Disclosure - Employee Benefit Plans - Summary of Total RSUs Activity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitPlansScheduleofAssumptionstoEstimateFairValueofPRSUsonWeightedAverageBasisDetails" roleURI="http://www.cloverhealth/role/EmployeeBenefitPlansScheduleofAssumptionstoEstimateFairValueofPRSUsonWeightedAverageBasisDetails">
        <link:definition>0000060 - Disclosure - Employee Benefit Plans - Schedule of Assumptions to Estimate Fair Value of PRSUs on Weighted Average Basis (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitPlansSummaryofTotalPRSUsActivityDetails" roleURI="http://www.cloverhealth/role/EmployeeBenefitPlansSummaryofTotalPRSUsActivityDetails">
        <link:definition>0000061 - Disclosure - Employee Benefit Plans - Summary of Total PRSUs Activity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitPlansESPPValuationAssumptionDetails" roleURI="http://www.cloverhealth/role/EmployeeBenefitPlansESPPValuationAssumptionDetails">
        <link:definition>0000062 - Disclosure - Employee Benefit Plans - ESPP Valuation Assumption (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxesAdditionalInformationDetails" roleURI="http://www.cloverhealth/role/IncomeTaxesAdditionalInformationDetails">
        <link:definition>0000063 - Disclosure - Income Taxes - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NetLossperShareCalculationofBasicandDilutedNetLossPerShareDetails" roleURI="http://www.cloverhealth/role/NetLossperShareCalculationofBasicandDilutedNetLossPerShareDetails">
        <link:definition>0000064 - Disclosure - Net Loss per Share - Calculation of Basic and Diluted Net Loss Per Share (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NetLossperShareScheduleofAntidilutiveSecuritiesExcludedfromDilutedNetLossPerShareDetails" roleURI="http://www.cloverhealth/role/NetLossperShareScheduleofAntidilutiveSecuritiesExcludedfromDilutedNetLossPerShareDetails">
        <link:definition>0000065 - Disclosure - Net Loss per Share - Schedule of Antidilutive Securities Excluded from Diluted Net Loss Per Share (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsandContingenciesDetails" roleURI="http://www.cloverhealth/role/CommitmentsandContingenciesDetails">
        <link:definition>0000066 - Disclosure - Commitments and Contingencies (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NonInsuranceScheduleofPerformanceGuaranteesDetails" roleURI="http://www.cloverhealth/role/NonInsuranceScheduleofPerformanceGuaranteesDetails">
        <link:definition>0000067 - Disclosure - Non-Insurance - Schedule of Performance Guarantees (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OperatingSegmentsAdditionalInformationDetails" roleURI="http://www.cloverhealth/role/OperatingSegmentsAdditionalInformationDetails">
        <link:definition>0000068 - Disclosure - Operating Segments - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OperatingSegmentsScheduleofRevenuebyOperatingSegmentDetails" roleURI="http://www.cloverhealth/role/OperatingSegmentsScheduleofRevenuebyOperatingSegmentDetails">
        <link:definition>0000069 - Disclosure - Operating Segments - Schedule of Revenue by Operating Segment (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OperatingSegmentsReconciliationofRevenueofSegmentstoStatementofOperationsDetails" roleURI="http://www.cloverhealth/role/OperatingSegmentsReconciliationofRevenueofSegmentstoStatementofOperationsDetails">
        <link:definition>0000070 - Disclosure - Operating Segments - Reconciliation of Revenue of Segments to Statement of Operations (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SubsequentEventsDetails" roleURI="http://www.cloverhealth/role/SubsequentEventsDetails">
        <link:definition>0000071 - Disclosure - Subsequent Events (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:element id="clov_ThymeCareIncMember" abstract="true" name="ThymeCareIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_FinancialAssetsOrLiabilitiesTransferredLevel3" abstract="false" name="FinancialAssetsOrLiabilitiesTransferredLevel3" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_PrivateWarrantsMember" abstract="true" name="PrivateWarrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_ShortTermInvestmentsAndAvailableForSaleSecuritiesGrossRealizedLosses" abstract="false" name="ShortTermInvestmentsAndAvailableForSaleSecuritiesGrossRealizedLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_NonInsuranceReceivable" abstract="false" name="NonInsuranceReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_TwoThousandFourteenEquityIncentivePlanMember" abstract="true" name="TwoThousandFourteenEquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_ConversionFromClassBToClassACommonStockAmount" abstract="false" name="ConversionFromClassBToClassACommonStockAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_NonInsurancePerformanceYearObligationAmortization" abstract="false" name="NonInsurancePerformanceYearObligationAmortization" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsReleasedInPeriodWeightedAverageGrantDateFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsReleasedInPeriodWeightedAverageGrantDateFairValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="clov_NonInsuranceOperationsMember" abstract="true" name="NonInsuranceOperationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_NonInsurancePerformanceYearObligationCurrent" abstract="false" name="NonInsurancePerformanceYearObligationCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_TwoThousandsTwentyManagementIncentivePlanMember" abstract="true" name="TwoThousandsTwentyManagementIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_AccruedRetrospectivePremiumsCurrent" abstract="false" name="AccruedRetrospectivePremiumsCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_DeferredPolicyAcquisitionCostsAmortizationExpensePremiumDeficiencyReserve" abstract="false" name="DeferredPolicyAcquisitionCostsAmortizationExpensePremiumDeficiencyReserve" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_PerformanceYearReceivable" abstract="false" name="PerformanceYearReceivable" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_DecreaseInAccumulatedDeficit" abstract="false" name="DecreaseInAccumulatedDeficit" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_ShareBasedCompensationArrangementByShareBasedPaymentAwardInitialOfferingPeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardInitialOfferingPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="clov_PerformanceYearObligationNonCashActivities" abstract="false" name="PerformanceYearObligationNonCashActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionYearOneAccumulatedLoss" abstract="false" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionYearOneAccumulatedLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_NonInsuranceDisclosureTextBlock" abstract="false" name="NonInsuranceDisclosureTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="clov_NonInsuranceAbstract" abstract="true" name="NonInsuranceAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="clov_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax" abstract="false" name="AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_CommonStockCapitalSharesReservedForFutureIssuanceThresholdPercentage" abstract="false" name="CommonStockCapitalSharesReservedForFutureIssuanceThresholdPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="clov_NonInsurancePerformanceYearReceivableCurrent" abstract="false" name="NonInsurancePerformanceYearReceivableCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_PerformanceRestrictedStockUnitsMember" abstract="true" name="PerformanceRestrictedStockUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_WarrantsReceivableMember" abstract="true" name="WarrantsReceivableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_ConversionFromClassBToClassACommonStockShares" abstract="false" name="ConversionFromClassBToClassACommonStockShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="clov_ShareBasedCompensationArrangementByShareBasedPaymentAwardVolumeWeightedAverageStockClosingPrice" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardVolumeWeightedAverageStockClosingPrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="clov_PremiumDeficiencyTestingBenefitLongDurationContractAmount" abstract="false" name="PremiumDeficiencyTestingBenefitLongDurationContractAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_ProceedsFromSaleOfShortTermInvestmentsAndAvailableForSaleSecurities" abstract="false" name="ProceedsFromSaleOfShortTermInvestmentsAndAvailableForSaleSecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_IncreaseDecreaseInUnpaidClaims" abstract="false" name="IncreaseDecreaseInUnpaidClaims" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_InducementPlanMember" abstract="true" name="InducementPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_ServiceAgreementNumberOfRenewalOptions" abstract="false" name="ServiceAgreementNumberOfRenewalOptions" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="clov_A2020EmployeeStockPurchasePlanMember" abstract="true" name="A2020EmployeeStockPurchasePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_TwoThousandsTwentyEquityIncentivePlanMember" abstract="true" name="TwoThousandsTwentyEquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_RatioOfCurrentYearMedicalClaimsPaidAsAPercentOfCurrentYearNetMedicalClaims" abstract="false" name="RatioOfCurrentYearMedicalClaimsPaidAsAPercentOfCurrentYearNetMedicalClaims" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="clov_NonInsurancePerformanceYearReceivableAmortization" abstract="false" name="NonInsurancePerformanceYearReceivableAmortization" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionFairValue" abstract="false" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_ReconciliationToCondensedConsolidatedBalanceSheetsAbstract" abstract="true" name="ReconciliationToCondensedConsolidatedBalanceSheetsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="clov_ServiceAgreementRenewalOptionTerm" abstract="false" name="ServiceAgreementRenewalOptionTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="clov_CommonStockNumberOfVotingRights" abstract="false" name="CommonStockNumberOfVotingRights" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" abstract="false" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_IncreaseDecreaseInNonInsurancePayable" abstract="false" name="IncreaseDecreaseInNonInsurancePayable" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_CarePointHealthContractMember" abstract="true" name="CarePointHealthContractMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_NonInsuranceMember" abstract="true" name="NonInsuranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityReceipts" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityReceipts" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_AccountReceivablesTextBlock" abstract="false" name="AccountReceivablesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="clov_IncreaseDecreaseInOperatingLeaseRightOfUseAssets" abstract="false" name="IncreaseDecreaseInOperatingLeaseRightOfUseAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_EquityAndTemporaryEquityAbstract" abstract="true" name="EquityAndTemporaryEquityAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="clov_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesOutstanding" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesOutstanding" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="clov_ProceedsFromMaturityOfShortTermInvestmentsAndDebtSecuritiesAvailableForSaleAndHeldToMaturity" abstract="false" name="ProceedsFromMaturityOfShortTermInvestmentsAndDebtSecuritiesAvailableForSaleAndHeldToMaturity" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax" abstract="false" name="AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsReleasedInPeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsReleasedInPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="clov_MedicalRecordsExchangeLLCMember" abstract="true" name="MedicalRecordsExchangeLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositions" abstract="false" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositions" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="clov_ProceedsFromInsuranceCreditDuration" abstract="false" name="ProceedsFromInsuranceCreditDuration" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_InsuranceOperationsMember" abstract="true" name="InsuranceOperationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_ShareBasedCompensationArrangementByShareBasedPaymentAwardEligibilityForVestingPeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEligibilityForVestingPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="clov_SecondPrivateCapitalTransactionMember" abstract="true" name="SecondPrivateCapitalTransactionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_ConversionOfConvertibleNoteToPreferredStock" abstract="false" name="ConversionOfConvertibleNoteToPreferredStock" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_ShareBasedCompensationArrangementByShareBasedPaymentAwardPercentageOfOutstandingStock" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardPercentageOfOutstandingStock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="clov_ScheduleOfPerformanceGuaranteesTableTextBlock" abstract="false" name="ScheduleOfPerformanceGuaranteesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="clov_EquityInterestPercentageLessThan" abstract="false" name="EquityInterestPercentageLessThan" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositionsYearOne" abstract="false" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositionsYearOne" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="clov_LitigationSettlementInsuranceProceeds" abstract="false" name="LitigationSettlementInsuranceProceeds" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_ProceedsFromIssuanceOfCommonStockNetOfEarlyExerciseLiability" abstract="false" name="ProceedsFromIssuanceOfCommonStockNetOfEarlyExerciseLiability" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_OptionsToPurchaseCommonStockMember" abstract="true" name="OptionsToPurchaseCommonStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositions12MonthsOrLonger" abstract="false" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositions12MonthsOrLonger" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="clov_StockholdersEquityAndTemporaryEquityTextBlock" abstract="false" name="StockholdersEquityAndTemporaryEquityTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="clov_ShareBasedCompensationArrangementByShareBasedPaymentAwardExercisePriceCapPercentageOfFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardExercisePriceCapPercentageOfFairValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="clov_InsuranceMember" abstract="true" name="InsuranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionAccumulatedLoss" abstract="false" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionAccumulatedLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_AccountingPoliciesLineItems" abstract="true" name="AccountingPoliciesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="clov_IncreaseDecreaseInPerformanceYearObligation" abstract="false" name="IncreaseDecreaseInPerformanceYearObligation" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_ShortTermInvestmentsAndAvailableForSaleSecuritiesGrossRealizedGains" abstract="false" name="ShortTermInvestmentsAndAvailableForSaleSecuritiesGrossRealizedGains" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionYearOneFairValue" abstract="false" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionYearOneFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_NonInsurancePayableCurrent" abstract="false" name="NonInsurancePayableCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_CharacterBiosciencesIncMember" abstract="true" name="CharacterBiosciencesIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_IncreaseDecreaseInNonInsuranceReceivable" abstract="false" name="IncreaseDecreaseInNonInsuranceReceivable" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_DirectContractingSharedSavingsAndLossesPercent" abstract="false" name="DirectContractingSharedSavingsAndLossesPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="clov_TwoThousandTwentyEquityAndManagementIncentivePlanMember" abstract="true" name="TwoThousandTwentyEquityAndManagementIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_ShareBasedCompensationArrangementByShareBasedPaymentAwardExpenseMoreThanStockBasedCompensationPlans" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardExpenseMoreThanStockBasedCompensationPlans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerFairValue" abstract="false" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_AccountingPoliciesTable" abstract="true" name="AccountingPoliciesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="clov_PrivateCapitalTransactionMember" abstract="true" name="PrivateCapitalTransactionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_ScheduleOfInvestmentSecuritiesReconciliationTableTextBlock" abstract="false" name="ScheduleOfInvestmentSecuritiesReconciliationTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
</xs:schema>
