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  <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_LifeInsuranceReservesCoinsurancePercentage" abstract="false" name="LifeInsuranceReservesCoinsurancePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1: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_IncreaseDecreaseInOperatingLeaseRightOfUseAssets" abstract="false" name="IncreaseDecreaseInOperatingLeaseRightOfUseAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" 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_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax" abstract="false" name="AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_ReinsuranceExcessLossCoverageThresholdPerCoveredPerson" abstract="false" name="ReinsuranceExcessLossCoverageThresholdPerCoveredPerson" 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_ConversionFromClassBToClassACommonStockShares" abstract="false" name="ConversionFromClassBToClassACommonStockShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="clov_AccountingPoliciesLineItems" abstract="true" name="AccountingPoliciesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_OptionsToPurchaseCommonStockMember" abstract="true" name="OptionsToPurchaseCommonStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="clov_StockIssuedDuringPeriodSharesWarrantsExercised" abstract="false" name="StockIssuedDuringPeriodSharesWarrantsExercised" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="clov_PaymentsProceedsOfRestrictedCashRelatedToBondsDepositsAndEscrowAccounts" abstract="false" name="PaymentsProceedsOfRestrictedCashRelatedToBondsDepositsAndEscrowAccounts" 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_NonInsuranceOperationsMember" abstract="true" name="NonInsuranceOperationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="clov_PrivateCapitalTransactionMember" abstract="true" name="PrivateCapitalTransactionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="clov_ACOREACHMember" abstract="true" name="ACOREACHMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_DirectContractingRiskMitigationMaximumPercentageOfPerformanceYearBenchmark" abstract="false" name="DirectContractingRiskMitigationMaximumPercentageOfPerformanceYearBenchmark" nillable="true" xbrli:periodType="instant" 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_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositions" abstract="false" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositions" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="clov_CommonStockCapitalSharesReservedForFutureIssuanceMaximumPayouts" abstract="false" name="CommonStockCapitalSharesReservedForFutureIssuanceMaximumPayouts" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsReleasedInPeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsReleasedInPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <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_AnnuityReservesTransferOfRiskPercentage" abstract="false" name="AnnuityReservesTransferOfRiskPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="clov_RatioOfCurrentYearMedicalClaimsPaidAsAPercentOfCurrentYearNetMedicalClaims" abstract="false" name="RatioOfCurrentYearMedicalClaimsPaidAsAPercentOfCurrentYearNetMedicalClaims" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="clov_ProceedsFromReverseCapitalizationNetOfTransactionCosts" abstract="false" name="ProceedsFromReverseCapitalizationNetOfTransactionCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ProceedsFromMaturityOfShortTermInvestmentsAndDebtSecuritiesAvailableForSaleAndHeldToMaturity" abstract="false" name="ProceedsFromMaturityOfShortTermInvestmentsAndDebtSecuritiesAvailableForSaleAndHeldToMaturity" 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_ConversionFromClassBToClassACommonStockAmount" abstract="false" name="ConversionFromClassBToClassACommonStockAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_MedicalRecordsExchangeLLCMember" abstract="true" name="MedicalRecordsExchangeLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_ShortDurationInsuranceContractsAccidentYear2020AndPriorMember" abstract="true" name="ShortDurationInsuranceContractsAccidentYear2020AndPriorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="clov_AdjustmentsToAdditionalPaidInCapitalAndAccumulatedDeficitFromSeekDissolution" abstract="false" name="AdjustmentsToAdditionalPaidInCapitalAndAccumulatedDeficitFromSeekDissolution" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_SecondPrivateCapitalTransactionMember" abstract="true" name="SecondPrivateCapitalTransactionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_StockIssuedDuringPeriodValueWarrantsExercised" abstract="false" name="StockIssuedDuringPeriodValueWarrantsExercised" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" 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_DeferredTaxLiabilitiesNontaxableGainOnDeconsolidationOfEntity" abstract="false" name="DeferredTaxLiabilitiesNontaxableGainOnDeconsolidationOfEntity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_AnnuityReservesAssumptionInterestRate" abstract="false" name="AnnuityReservesAssumptionInterestRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="clov_NonInsuranceMember" abstract="true" name="NonInsuranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_VendorRelatedCostsMember" abstract="true" name="VendorRelatedCostsMember" 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_WarrantsReceivableMember" abstract="true" name="WarrantsReceivableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="clov_DeferredTaxAssetsUnpaidClaimReserveDiscounting" abstract="false" name="DeferredTaxAssetsUnpaidClaimReserveDiscounting" 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_StockIssuedDuringPeriodSharesBusinessCombinationAndOffering" abstract="false" name="StockIssuedDuringPeriodSharesBusinessCombinationAndOffering" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="clov_OtherLevelOneDebtSecuritiesMember" abstract="true" name="OtherLevelOneDebtSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_EffectiveIncomeTaxRateReconciliation162mLimitationAmount" abstract="false" name="EffectiveIncomeTaxRateReconciliation162mLimitationAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" 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-types1:domainItemType"/>
  <xs:element id="clov_CharacterBiosciencesIncMember" abstract="true" name="CharacterBiosciencesIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_AuditInformationAbstract" abstract="true" name="AuditInformationAbstract" 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-types1:textBlockItemType"/>
  <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_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityReceipts" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityReceipts" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" 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_CoinsurancePercentage" abstract="false" name="CoinsurancePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <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_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositions12MonthsOrLonger" abstract="false" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositions12MonthsOrLonger" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <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_JuxlyMember" abstract="true" name="JuxlyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="clov_NonInsuranceDisclosureTextBlock" abstract="false" name="NonInsuranceDisclosureTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsReleasedInPeriodWeightedAverageGrantDateFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsReleasedInPeriodWeightedAverageGrantDateFairValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="clov_ScheduleOfInvestmentSecuritiesReconciliationTableTextBlock" abstract="false" name="ScheduleOfInvestmentSecuritiesReconciliationTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <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_A2020EmployeeStockPurchasePlanMember" abstract="true" name="A2020EmployeeStockPurchasePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="clov_DeferredTaxAssetsOperatingLeaseLiability" abstract="false" name="DeferredTaxAssetsOperatingLeaseLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" 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_ScheduleOfChangesInFairValueOfWarrantsPayableTableTextBlock" abstract="false" name="ScheduleOfChangesInFairValueOfWarrantsPayableTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <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_WarrantsAndRightsRedemptions" abstract="false" name="WarrantsAndRightsRedemptions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
