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  <xs:element id="clov_IncreaseDecreaseInPerformanceYearReceivable" abstract="false" name="IncreaseDecreaseInPerformanceYearReceivable" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_ClassOfWarrantOrRightRedemptionOfWarrantsOrRightsThresholdConsecutiveTradingDays" abstract="false" name="ClassOfWarrantOrRightRedemptionOfWarrantsOrRightsThresholdConsecutiveTradingDays" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="clov_ScheduleOfShareBasedCompensationWarrantsActivityTableTextBlock" abstract="false" name="ScheduleOfShareBasedCompensationWarrantsActivityTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <xs:element id="clov_TwoThousandsTwentyEquityIncentivePlanMember" abstract="true" name="TwoThousandsTwentyEquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="clov_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsStrikePrice" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsStrikePrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:perShareItemType"/>
  <xs:element id="clov_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIncreaseInCash" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIncreaseInCash" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_CloverHealthInvestmentsCorpMember" abstract="true" name="CloverHealthInvestmentsCorpMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="clov_InterestRatePeriodDomain" abstract="true" name="InterestRatePeriodDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum: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_CarePointHealthContractMember" abstract="true" name="CarePointHealthContractMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <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_RedemptionOfWarrantPricePerShareEqualsOrExceeds18.00Member" abstract="true" name="RedemptionOfWarrantPricePerShareEqualsOrExceeds18.00Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <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_SchSponsorIiiLlcMember" abstract="true" name="SchSponsorIiiLlcMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="clov_ProceedsFromMaturityOfShortTermInvestmentsAndDebtSecuritiesAvailableForSale" abstract="false" name="ProceedsFromMaturityOfShortTermInvestmentsAndDebtSecuritiesAvailableForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_WarrantsToPurchaseConvertiblePreferredStockMember" abstract="true" name="WarrantsToPurchaseConvertiblePreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum: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_RedemptionOfWarrantPricePerShareEqualsOrExceeds10.00Member" abstract="true" name="RedemptionOfWarrantPricePerShareEqualsOrExceeds10.00Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="clov_StockIssuedDuringPeriodSharesBusinessCombinationAndOffering" abstract="false" name="StockIssuedDuringPeriodSharesBusinessCombinationAndOffering" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="clov_DebtInstrumentInterestRatePeriodTwoMember" abstract="true" name="DebtInstrumentInterestRatePeriodTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <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_SchClassAOrdinarySharesConvertedToCloverClassACommonStockMember" abstract="true" name="SchClassAOrdinarySharesConvertedToCloverClassACommonStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum: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_SocialCapitalHedosophiaHoldingsCorpIiiMember" abstract="true" name="SocialCapitalHedosophiaHoldingsCorpIiiMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="clov_ClassOfWarrantOrRightRedemptionPriceOfWarrantsOrRights" abstract="false" name="ClassOfWarrantOrRightRedemptionPriceOfWarrantsOrRights" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:perShareItemType"/>
  <xs:element id="clov_PrivatePlacementWarrantAndPublicWarrantMember" abstract="true" name="PrivatePlacementWarrantAndPublicWarrantMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="clov_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseDirectContractingModelPercentageOfIncurredClaims" abstract="false" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseDirectContractingModelPercentageOfIncurredClaims" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="clov_WarrantsPayableDisclosureTextBlockTextBlock" abstract="false" name="WarrantsPayableDisclosureTextBlockTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <xs:element id="clov_SchAndMergerSubMember" abstract="true" name="SchAndMergerSubMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum: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_IncreaseDecreaseInFairValueAdjustmentOfWarrants" abstract="false" name="IncreaseDecreaseInFairValueAdjustmentOfWarrants" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_DebtInstrumentRedeemedAndConvertedSharesIssued" abstract="false" name="DebtInstrumentRedeemedAndConvertedSharesIssued" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="clov_DebtInstrumentRedeemedSharesIssued" abstract="false" name="DebtInstrumentRedeemedSharesIssued" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <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_ProceedsFromSaleOfShortTermInvestmentsAndAvailableForSaleSecurities" abstract="false" name="ProceedsFromSaleOfShortTermInvestmentsAndAvailableForSaleSecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_DebtInstrumentInterestRatePeriodOneMember" abstract="true" name="DebtInstrumentInterestRatePeriodOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <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_DeferredImplementationCosts" abstract="false" name="DeferredImplementationCosts" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="clov_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExercisedWeightedAverageGrantDateFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExercisedWeightedAverageGrantDateFairValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:perShareItemType"/>
  <xs:element id="clov_AmortizationOfNotesAndSecuritiesDiscounts" abstract="false" name="AmortizationOfNotesAndSecuritiesDiscounts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_MergerAgreementMember" abstract="true" name="MergerAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="clov_BusinessCombinationCashConsiderationReceived" abstract="false" name="BusinessCombinationCashConsiderationReceived" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_DirectContractingRiskMitigationMaximumPercentageOfPerformanceYearBenchmark" abstract="false" name="DirectContractingRiskMitigationMaximumPercentageOfPerformanceYearBenchmark" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="clov_SeekInsuranceServicesMember" abstract="true" name="SeekInsuranceServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLonger" abstract="false" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLonger" nillable="true" xbrli:periodType="instant" 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_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionYearOne" abstract="false" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionYearOne" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="clov_ConversionFromCommonStock" abstract="false" name="ConversionFromCommonStock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="clov_DirectContractingSegmentMember" abstract="true" name="DirectContractingSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="clov_ConversionOfClassBToCommonClassAMember" abstract="true" name="ConversionOfClassBToCommonClassAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <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_StockIssuedDuringPeriodSharesWarrantsExercised" abstract="false" name="StockIssuedDuringPeriodSharesWarrantsExercised" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="clov_MedicareAdvantageSegmentMember" abstract="true" name="MedicareAdvantageSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum: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_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositions12MonthsOrLonger" abstract="false" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositions12MonthsOrLonger" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <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_PaymentsOfAccruedInterest" abstract="false" name="PaymentsOfAccruedInterest" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_PercentageChargeForSecurityConversionUnderMergerAgreement" abstract="false" name="PercentageChargeForSecurityConversionUnderMergerAgreement" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="clov_HeldToMaturitySecuritiesFairValueNonCurrent" abstract="false" name="HeldToMaturitySecuritiesFairValueNonCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="clov_TwoThousandTwentyEquityAndManagementIncentivePlanMember" abstract="true" name="TwoThousandTwentyEquityAndManagementIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="clov_ProRataAdjustmentsPercentage" abstract="false" name="ProRataAdjustmentsPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <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_DirectContractingPerformanceYearObligationNoncurrent" abstract="false" name="DirectContractingPerformanceYearObligationNoncurrent" nillable="true" xbrli:periodType="instant" 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="num:percentItemType"/>
  <xs:element id="clov_ScheduleOfRealizedGainLossOnInvestmentSecuritiesTableTextBlock" abstract="false" name="ScheduleOfRealizedGainLossOnInvestmentSecuritiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <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_PublicAndPrivatePlacementWarrantsMember" abstract="true" name="PublicAndPrivatePlacementWarrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="clov_AdditionalSharesBasedProportionallyOnTheAggregatePrincipalAmounts" abstract="false" name="AdditionalSharesBasedProportionallyOnTheAggregatePrincipalAmounts" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="clov_CommonStockExchangeRatio" abstract="false" name="CommonStockExchangeRatio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="clov_AccountReceivablesTextBlock" abstract="false" name="AccountReceivablesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <xs:element id="clov_TwoThousandTwentyConvertibleNoteMember" abstract="true" name="TwoThousandTwentyConvertibleNoteMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum: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_ShortTermInvestmentsAndAvailableForSaleSecuritiesGrossRealizedGains" abstract="false" name="ShortTermInvestmentsAndAvailableForSaleSecuritiesGrossRealizedGains" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_ClassOfWarrantOrRightThresholdTradingDays" abstract="false" name="ClassOfWarrantOrRightThresholdTradingDays" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="clov_CommonStockVotingRightsPerShare" abstract="false" name="CommonStockVotingRightsPerShare" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
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  <xs:element id="clov_TwoThousandsTwentyManagementIncentivePlanMember" abstract="true" name="TwoThousandsTwentyManagementIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="clov_PublicWarrantsMember" abstract="true" name="PublicWarrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum: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_PrivatePlacementWarrantsMember" abstract="true" name="PrivatePlacementWarrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="clov_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExercisedInPeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExercisedInPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="clov_QualifiedPublicOfferingMember" abstract="true" name="QualifiedPublicOfferingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="clov_ConvertibleDebtFairValueAndCarryingValueDisclosures" abstract="false" name="ConvertibleDebtFairValueAndCarryingValueDisclosures" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" 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_CommonClassZMember" abstract="true" name="CommonClassZMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="clov_ReceivablesLineItems" abstract="true" name="ReceivablesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="clov_PerformanceRestrictedStockUnitsMember" abstract="true" name="PerformanceRestrictedStockUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <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_AmountDrawnUnderLoanFacility" abstract="false" name="AmountDrawnUnderLoanFacility" 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_OtherTrancheMember" abstract="true" name="OtherTrancheMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="clov_ConvertibleDebtBorrowingCapacity" abstract="false" name="ConvertibleDebtBorrowingCapacity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_ProceedsToPayObligationsAndWorkingCapital" abstract="false" name="ProceedsToPayObligationsAndWorkingCapital" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_EmbeddedDerivativeDiscountRate" abstract="false" name="EmbeddedDerivativeDiscountRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
</xs:schema>
