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  <xs:element id="clov_IntercompanyPayable" abstract="false" name="IntercompanyPayable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_StockIssuedDuringPeriodValueWarrantsExercised" abstract="false" name="StockIssuedDuringPeriodValueWarrantsExercised" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_CoinsurancePercentage" abstract="false" name="CoinsurancePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="clov_DirectContractingRiskMitigationMaximumPercentageOfPerformanceYearBenchmark" abstract="false" name="DirectContractingRiskMitigationMaximumPercentageOfPerformanceYearBenchmark" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="clov_LoanFacilityMember" abstract="true" name="LoanFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_ConvertibleSecuritiesMember" abstract="true" name="ConvertibleSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_PublicStockOfferingMember" abstract="true" name="PublicStockOfferingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_AuditInformationAbstract" abstract="true" name="AuditInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="clov_ShortDurationInsuranceContractsAccidentYear2019AndPriorMember" abstract="true" name="ShortDurationInsuranceContractsAccidentYear2019AndPriorMember" 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_AccountReceivablesTextBlock" abstract="false" name="AccountReceivablesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="clov_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExercisedWeightedAverageGrantDateFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExercisedWeightedAverageGrantDateFairValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <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_LegacyWarrantsMember" abstract="true" name="LegacyWarrantsMember" 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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsReleasedInPeriodWeightedAverageGrantDateFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsReleasedInPeriodWeightedAverageGrantDateFairValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="clov_InterestRatePeriodAxis" abstract="true" name="InterestRatePeriodAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="clov_SchClassAOrdinarySharesConvertedToCloverClassACommonStockMember" abstract="true" name="SchClassAOrdinarySharesConvertedToCloverClassACommonStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_InterestRatePeriodDomain" abstract="true" name="InterestRatePeriodDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositionsYearOne" abstract="false" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositionsYearOne" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="clov_LifeInsuranceReservesCoinsurancePercentage" abstract="false" name="LifeInsuranceReservesCoinsurancePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="clov_ScheduleOfChangesInFairValueOfWarrantsPayableTableTextBlock" abstract="false" name="ScheduleOfChangesInFairValueOfWarrantsPayableTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="clov_AnnuityReservesTransferOfRiskPercentage" abstract="false" name="AnnuityReservesTransferOfRiskPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="clov_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsReleasedInPeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsReleasedInPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="clov_EffectiveIncomeTaxRateReconciliationWarrantExpenseAmount" abstract="false" name="EffectiveIncomeTaxRateReconciliationWarrantExpenseAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_CapitalContributionForExtinguishmentOfDebt" abstract="false" name="CapitalContributionForExtinguishmentOfDebt" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_PrivatePlacementWarrantAndPublicWarrantMember" abstract="true" name="PrivatePlacementWarrantAndPublicWarrantMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_SeekConvertibleNoteMember" abstract="true" name="SeekConvertibleNoteMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_PrivatePlacementWarrantsMember" abstract="true" name="PrivatePlacementWarrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_DirectContractingPerformanceYearObligationAmortization" abstract="false" name="DirectContractingPerformanceYearObligationAmortization" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_TemporaryEquitySharesConversionOfConvertibleSecurities" abstract="false" name="TemporaryEquitySharesConversionOfConvertibleSecurities" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="clov_ProceedsFromMaturityOfInvestmentSecutities" abstract="false" name="ProceedsFromMaturityOfInvestmentSecutities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_HealthInsuranceIndustryFeeExpense" abstract="false" name="HealthInsuranceIndustryFeeExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_DeferredTaxAssetsPropertyPlantAndEquipmentAndIntangibleAssets" abstract="false" name="DeferredTaxAssetsPropertyPlantAndEquipmentAndIntangibleAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_ColumbusLtachLLCVsWellcareHealthPlansIncEtAlMember" abstract="true" name="ColumbusLtachLLCVsWellcareHealthPlansIncEtAlMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_ClassOfWarrantOrRightPercentage" abstract="false" name="ClassOfWarrantOrRightPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="clov_AccountingPoliciesLineItems" abstract="true" name="AccountingPoliciesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="clov_WarrantsIssuedInConnectionWithNotesPayableFairValue" abstract="false" name="WarrantsIssuedInConnectionWithNotesPayableFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_IncreaseDecreaseInIntercompanyPayable" abstract="false" name="IncreaseDecreaseInIntercompanyPayable" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_ClassOfWarrantOrRightRedemptionPriceOfWarrantsOrRights" abstract="false" name="ClassOfWarrantOrRightRedemptionPriceOfWarrantsOrRights" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <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_ProRataAdjustmentsPercentage" abstract="false" name="ProRataAdjustmentsPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="clov_CommonClassZMember" abstract="true" name="CommonClassZMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_LifeInsuranceReservesAssumptionInterestRate" abstract="false" name="LifeInsuranceReservesAssumptionInterestRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="clov_InvestmentsInConsolidatedSubsidiaries" abstract="false" name="InvestmentsInConsolidatedSubsidiaries" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_DirectContractingPayableCurrent" abstract="false" name="DirectContractingPayableCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_RogueTradingMember" abstract="true" name="RogueTradingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_IncomeTaxReconciliationLineItems" abstract="true" name="IncomeTaxReconciliationLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="clov_AcquisitionOfPublicAndPrivateWarrants" abstract="false" name="AcquisitionOfPublicAndPrivateWarrants" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_AcquisitionOfPublicAndPrivatePlacementWarrants" abstract="false" name="AcquisitionOfPublicAndPrivatePlacementWarrants" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_IncreaseDecreaseInPremiumDeficiencyReserve" abstract="false" name="IncreaseDecreaseInPremiumDeficiencyReserve" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_BusinessCombinationProceedsFromPrivatePlacement" abstract="false" name="BusinessCombinationProceedsFromPrivatePlacement" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_AnnuityReserveFullyCoinsuredToThirdParty" abstract="false" name="AnnuityReserveFullyCoinsuredToThirdParty" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_FranklinTennesseeMember" abstract="true" name="FranklinTennesseeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_EffectiveIncomeTaxRateReconciliationInterestOnConvertibleSecuritiesDiscountAmount" abstract="false" name="EffectiveIncomeTaxRateReconciliationInterestOnConvertibleSecuritiesDiscountAmount" nillable="true" xbrli:periodType="duration" 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_ReceivablesTable" abstract="true" name="ReceivablesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="clov_SeekInsuranceServicesMember" abstract="true" name="SeekInsuranceServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_MedicareAdvantageOperationsMember" abstract="true" name="MedicareAdvantageOperationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_DirectContractingSegmentMember" abstract="true" name="DirectContractingSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_DebtInstrumentInterestRatePeriodOneMember" abstract="true" name="DebtInstrumentInterestRatePeriodOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_TemporaryEquityValueConversionOfConvertibleSecurities" abstract="false" name="TemporaryEquityValueConversionOfConvertibleSecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_EffectiveIncomeTaxRateReconciliationInterestOnConvertibleSecuritiesAmount" abstract="false" name="EffectiveIncomeTaxRateReconciliationInterestOnConvertibleSecuritiesAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ProceedsFromRepaymentsToConsolidatedSubsidiaries" abstract="false" name="ProceedsFromRepaymentsToConsolidatedSubsidiaries" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_BusinessCombinationDeferredUnderwriterFees" abstract="false" name="BusinessCombinationDeferredUnderwriterFees" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_IncreaseDecreaseInFairValueAdjustmentOfWarrants" abstract="false" name="IncreaseDecreaseInFairValueAdjustmentOfWarrants" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_MergerAgreementWithSCHMember" abstract="true" name="MergerAgreementWithSCHMember" 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:element id="clov_IssuanceOfCommonStockRelatedToWarrantsExercised" abstract="false" name="IssuanceOfCommonStockRelatedToWarrantsExercised" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_ClassOfWarrantOrRightCashlessExercises" abstract="false" name="ClassOfWarrantOrRightCashlessExercises" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <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_ConversionFromClassAToClassBCommonStock" abstract="false" name="ConversionFromClassAToClassBCommonStock" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_PublicAndPrivatePlacementWarrantsMember" abstract="true" name="PublicAndPrivatePlacementWarrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_RisksAndUncertaintiesPolicyPolicyTextBlock" abstract="false" name="RisksAndUncertaintiesPolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="clov_WarrantsAndRightsRedemptions" abstract="false" name="WarrantsAndRightsRedemptions" nillable="true" xbrli:periodType="duration" 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_ProceedsFromSaleOfShortTermInvestmentsAndAvailableForSaleSecurities" abstract="false" name="ProceedsFromSaleOfShortTermInvestmentsAndAvailableForSaleSecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_IntercompanyInterestReceivable" abstract="false" name="IntercompanyInterestReceivable" nillable="true" xbrli:periodType="instant" 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_LoanFacilityDueOnMarch12022Member" abstract="true" name="LoanFacilityDueOnMarch12022Member" 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_RebateReceivablesMember" abstract="true" name="RebateReceivablesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_WarrantsToPurchaseConvertiblePreferredStockMember" abstract="true" name="WarrantsToPurchaseConvertiblePreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_IncreaseDecreaseInDirectContractingPayable" abstract="false" name="IncreaseDecreaseInDirectContractingPayable" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_DirectContractingAbstract" abstract="true" name="DirectContractingAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="clov_CashHeldInTrustAccount" abstract="false" name="CashHeldInTrustAccount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositions12MonthsOrLonger" abstract="false" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositions12MonthsOrLonger" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="clov_DebtInstrumentInterestRatePeriodThreeMember" abstract="true" name="DebtInstrumentInterestRatePeriodThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_OtherMedicalCosts" abstract="false" name="OtherMedicalCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionYearOne" abstract="false" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionYearOne" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPosition" abstract="false" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPosition" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_IntercompanyNoteReceivable" abstract="false" name="IntercompanyNoteReceivable" nillable="true" xbrli:periodType="instant" 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_ClassOfWarrantOrRightExercises" abstract="false" name="ClassOfWarrantOrRightExercises" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="clov_EquityAndTemporaryEquityAbstract" abstract="true" name="EquityAndTemporaryEquityAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_WarrantsPayableDisclosureTextBlockTextBlock" abstract="false" name="WarrantsPayableDisclosureTextBlockTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="clov_EmbeddedDerivativeDiscountRate" abstract="false" name="EmbeddedDerivativeDiscountRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEligibilityForVestingPeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEligibilityForVestingPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="clov_DirectContractingPerformanceYearObligationCurrent" abstract="false" name="DirectContractingPerformanceYearObligationCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_AdditionalSharesBasedProportionallyOnTheAggregatePrincipalAmounts" abstract="false" name="AdditionalSharesBasedProportionallyOnTheAggregatePrincipalAmounts" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="clov_DirectContractingPerformanceYearReceivableNoncurrent" abstract="false" name="DirectContractingPerformanceYearReceivableNoncurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesOutstanding" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesOutstanding" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="clov_CashPaidForAmountsIncludedInTheMeasurementOfLeaseLiabilities" abstract="false" name="CashPaidForAmountsIncludedInTheMeasurementOfLeaseLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_LoanFacilityDueOnOctober12022Member" abstract="true" name="LoanFacilityDueOnOctober12022Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_PremiumDeficiencyTestingExpenseBenefitLongDurationContractAmount" abstract="false" name="PremiumDeficiencyTestingExpenseBenefitLongDurationContractAmount" 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_CommonClassAAndClassBMember" abstract="true" name="CommonClassAAndClassBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_PaymentsForRepurchaseAndCancellationOfCommonStock" abstract="false" name="PaymentsForRepurchaseAndCancellationOfCommonStock" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_IncreaseDecreaseInOperatingLeaseRightOfUseAssets" abstract="false" name="IncreaseDecreaseInOperatingLeaseRightOfUseAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
