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  <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_RisksAndUncertaintiesPolicyPolicyTextBlock" abstract="false" name="RisksAndUncertaintiesPolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="clov_CloverTherapeuticsCompanyMember" abstract="true" name="CloverTherapeuticsCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_NonInsuranceAbstract" abstract="true" name="NonInsuranceAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax" abstract="false" name="AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_StockIssuedDuringPeriodSharesBusinessCombinationAndOffering" abstract="false" name="StockIssuedDuringPeriodSharesBusinessCombinationAndOffering" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <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_NonInsurancePerformanceYearReceivableAmortization" abstract="false" name="NonInsurancePerformanceYearReceivableAmortization" nillable="true" xbrli:periodType="duration" 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_PerformanceRestrictedStockUnitsMember" abstract="true" name="PerformanceRestrictedStockUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_StockholdersEquityAndTemporaryEquityTextBlock" abstract="false" name="StockholdersEquityAndTemporaryEquityTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositions12MonthsOrLonger" abstract="false" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositions12MonthsOrLonger" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <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_ScheduleOfRealizedGainLossOnInvestmentSecuritiesTableTextBlock" abstract="false" name="ScheduleOfRealizedGainLossOnInvestmentSecuritiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <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_PolicyholderBenefitsAndClaimsIncurredNetAndOtherMedicalCosts" abstract="false" name="PolicyholderBenefitsAndClaimsIncurredNetAndOtherMedicalCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEligibilityForVestingPeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEligibilityForVestingPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="clov_RealizedInvestmentLossesGains" abstract="false" name="RealizedInvestmentLossesGains" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" 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_AccountReceivablesTextBlock" abstract="false" name="AccountReceivablesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <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_RatioOfCurrentYearMedicalClaimsPaidAsAPercentOfCurrentYearNetMedicalClaims" abstract="false" name="RatioOfCurrentYearMedicalClaimsPaidAsAPercentOfCurrentYearNetMedicalClaims" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <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_NonInsurancePerformanceYearObligationCurrent" abstract="false" name="NonInsurancePerformanceYearObligationCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ShareBasedCompensationArrangementByShareBasedPaymentAwardExercisePriceCapPercentageOfFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardExercisePriceCapPercentageOfFairValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <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_AccountingPoliciesLineItems" abstract="true" name="AccountingPoliciesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_TwoThousandTwentyEquityAndManagementIncentivePlanMember" abstract="true" name="TwoThousandTwentyEquityAndManagementIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_CommonStockCapitalSharesReservedForFutureIssuanceThresholdPercentage" abstract="false" name="CommonStockCapitalSharesReservedForFutureIssuanceThresholdPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <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_FinancialAssetOrLiabilitiesTransferInAndOut" abstract="false" name="FinancialAssetOrLiabilitiesTransferInAndOut" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_CommonStockPercentageOfTotalSharesOutstanding" abstract="false" name="CommonStockPercentageOfTotalSharesOutstanding" 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:schema>
