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  <xs:element id="clov_PerformanceRestrictedStockUnitsMember" abstract="true" name="PerformanceRestrictedStockUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="clov_ShareBasedCompensationArrangementByShareBasedPaymentAwardPercentageOfOutstandingStock" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardPercentageOfOutstandingStock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="clov_ShareBasedCompensationArrangementByShareBasedPaymentAwardExercisePriceCapPercentageOfFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardExercisePriceCapPercentageOfFairValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_ShareBasedCompensationArrangementByShareBasedPaymentAwardVolumeWeightedAverageStockClosingPrice" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardVolumeWeightedAverageStockClosingPrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="clov_DefinedContributionPlanEmployeeDiscountPercent" abstract="false" name="DefinedContributionPlanEmployeeDiscountPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="clov_CommonStockCapitalSharesReservedForFutureIssuanceThresholdPercentage" abstract="false" name="CommonStockCapitalSharesReservedForFutureIssuanceThresholdPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="clov_TwoThousandsTwentyEquityIncentivePlanMember" abstract="true" name="TwoThousandsTwentyEquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="clov_TwoThousandsTwentyManagementIncentivePlanMember" abstract="true" name="TwoThousandsTwentyManagementIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="clov_InducementPlanMember" abstract="true" name="InducementPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="clov_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesOutstanding" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesOutstanding" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="clov_CommonStockCapitalSharesReservedForFutureIssuanceMaximumPayouts" abstract="false" name="CommonStockCapitalSharesReservedForFutureIssuanceMaximumPayouts" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="clov_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsReleasedInPeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsReleasedInPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="clov_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsReleasedInPeriodWeightedAverageGrantDateFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsReleasedInPeriodWeightedAverageGrantDateFairValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="clov_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptions" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptions" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="clov_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsAdjustmentForPerformanceConditionAchievedWeightedAverageGrantDateFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsAdjustmentForPerformanceConditionAchievedWeightedAverageGrantDateFairValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="clov_OptionsToPurchaseCommonStockMember" abstract="true" name="OptionsToPurchaseCommonStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_NumberOfDerivativeActions" abstract="false" name="NumberOfDerivativeActions" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="clov_DerivativeInstrumentsAwardFeesAndExpenses" abstract="false" name="DerivativeInstrumentsAwardFeesAndExpenses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_InsuranceMember" abstract="true" name="InsuranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="clov_DepreciationAndAmortizationMember" abstract="true" name="DepreciationAndAmortizationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_VendorRelatedCostsMember" abstract="true" name="VendorRelatedCostsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_RestructuringChargesExcludingExitProject" abstract="false" name="RestructuringChargesExcludingExitProject" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_DisposalGroupIncludingDiscontinuedOperationSuretyBondAndDeposits" abstract="false" name="DisposalGroupIncludingDiscontinuedOperationSuretyBondAndDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_DisposalGroupIncludingDiscontinuedOperationNonInsuranceReceivable" abstract="false" name="DisposalGroupIncludingDiscontinuedOperationNonInsuranceReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_DisposalGroupIncludingDiscontinuedOperationUnpaidClaims" abstract="false" name="DisposalGroupIncludingDiscontinuedOperationUnpaidClaims" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_DisposalGroupIncludingDiscontinuedOperationAccruedSalariesAndBenefits" abstract="false" name="DisposalGroupIncludingDiscontinuedOperationAccruedSalariesAndBenefits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_DisposalGroupIncludingDiscontinuedOperationNonInsurancePerformanceYearObligationCurrent" abstract="false" name="DisposalGroupIncludingDiscontinuedOperationNonInsurancePerformanceYearObligationCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_DisposalGroupIncludingDiscontinuedOperationNonInsurancePayable" abstract="false" name="DisposalGroupIncludingDiscontinuedOperationNonInsurancePayable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_DisposalGroupIncludingDiscontinuedOperationNonInsuranceRevenue" abstract="false" name="DisposalGroupIncludingDiscontinuedOperationNonInsuranceRevenue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_DisposalGroupIncludingDiscontinuedOperationTotalRevenues" abstract="false" name="DisposalGroupIncludingDiscontinuedOperationTotalRevenues" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_DisposalGroupIncludingDiscontinuedOperationIncomeStatementOperatingExpensesAbstract" abstract="true" name="DisposalGroupIncludingDiscontinuedOperationIncomeStatementOperatingExpensesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="clov_DisposalGroupIncludingDiscontinuedOperationNetMedicalClaimsIncurred" abstract="false" name="DisposalGroupIncludingDiscontinuedOperationNetMedicalClaimsIncurred" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_DisposalGroupIncludingDiscontinuedOperationRestructuringCosts" abstract="false" name="DisposalGroupIncludingDiscontinuedOperationRestructuringCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_DisposalGroupIncludingDiscontinuedOperationTotalOperatingExpenses" abstract="false" name="DisposalGroupIncludingDiscontinuedOperationTotalOperatingExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_NonInsurancePerformanceYearReceivableAmortization" abstract="false" name="NonInsurancePerformanceYearReceivableAmortization" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" 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:schema>
