<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019eb217-d52a-7241-8cea-ede5b987920e,g:c025afd7-ba75-4a60-881f-9533f3f8290d-->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:clov="http://www.cloverhealth/20260630" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2024-01-31" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.cloverhealth/20260630">
  <xs:import namespace="http://fasb.org/srt/2026" schemaLocation="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd"/>
  <xs:import namespace="http://fasb.org/us-gaap/2026" schemaLocation="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/dei/2026" schemaLocation="https://xbrl.sec.gov/dei/2026/dei-2026.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/ecd/2026" schemaLocation="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd"/>
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="clov-20260630_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="clov-20260630_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="clov-20260630_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="clov-20260630_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="COVER" roleURI="http://www.cloverhealth/role/COVER">
        <link:definition>0000001 - Document - COVER</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONDENSEDCONSOLIDATEDBALANCESHEETS" roleURI="http://www.cloverhealth/role/CONDENSEDCONSOLIDATEDBALANCESHEETS">
        <link:definition>9952151 - Statement - CONDENSED CONSOLIDATED BALANCE SHEETS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONDENSEDCONSOLIDATEDBALANCESHEETSParenthetical" roleURI="http://www.cloverhealth/role/CONDENSEDCONSOLIDATEDBALANCESHEETSParenthetical">
        <link:definition>9952152 - Statement - CONDENSED CONSOLIDATED BALANCE SHEETS (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONSANDCOMPREHENSIVEINCOMELOSS" roleURI="http://www.cloverhealth/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONSANDCOMPREHENSIVEINCOMELOSS">
        <link:definition>9952153 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE INCOME (LOSS)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONSANDCOMPREHENSIVEINCOMELOSSParenthetical" roleURI="http://www.cloverhealth/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONSANDCOMPREHENSIVEINCOMELOSSParenthetical">
        <link:definition>9952154 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE INCOME (LOSS) (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONDENSEDCONSOLIDATEDSTATEMENTSOFCHANGESINSTOCKHOLDERSEQUITY" roleURI="http://www.cloverhealth/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCHANGESINSTOCKHOLDERSEQUITY">
        <link:definition>9952155 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWS" roleURI="http://www.cloverhealth/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWS">
        <link:definition>9952156 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OrganizationandOperations" roleURI="http://www.cloverhealth/role/OrganizationandOperations">
        <link:definition>9952157 - Disclosure - Organization and Operations</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPolicies" roleURI="http://www.cloverhealth/role/SummaryofSignificantAccountingPolicies">
        <link:definition>9952158 - Disclosure - Summary of Significant Accounting Policies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecurities" roleURI="http://www.cloverhealth/role/InvestmentSecurities">
        <link:definition>9952159 - Disclosure - Investment Securities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurements" roleURI="http://www.cloverhealth/role/FairValueMeasurements">
        <link:definition>9952160 - Disclosure - Fair Value Measurements</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="HealthcareReceivables" roleURI="http://www.cloverhealth/role/HealthcareReceivables">
        <link:definition>9952161 - Disclosure - Healthcare Receivables</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RelatedPartyTransactions" roleURI="http://www.cloverhealth/role/RelatedPartyTransactions">
        <link:definition>9952162 - Disclosure - Related Party Transactions</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="UnpaidClaims" roleURI="http://www.cloverhealth/role/UnpaidClaims">
        <link:definition>9952163 - Disclosure - Unpaid Claims</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="VariableInterestEntityandEquityMethodofAccounting" roleURI="http://www.cloverhealth/role/VariableInterestEntityandEquityMethodofAccounting">
        <link:definition>9952164 - Disclosure - Variable Interest Entity and Equity Method of Accounting</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitPlans" roleURI="http://www.cloverhealth/role/EmployeeBenefitPlans">
        <link:definition>9952165 - Disclosure - Employee Benefit Plans</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxes" roleURI="http://www.cloverhealth/role/IncomeTaxes">
        <link:definition>9952166 - Disclosure - Income Taxes</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EarningsLossperShare" roleURI="http://www.cloverhealth/role/EarningsLossperShare">
        <link:definition>9952167 - Disclosure - Earnings (Loss) per Share</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsandContingencies" roleURI="http://www.cloverhealth/role/CommitmentsandContingencies">
        <link:definition>9952168 - Disclosure - Commitments and Contingencies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OperatingSegments" roleURI="http://www.cloverhealth/role/OperatingSegments">
        <link:definition>9952169 - Disclosure - Operating Segments</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DividendRestrictions" roleURI="http://www.cloverhealth/role/DividendRestrictions">
        <link:definition>9952170 - Disclosure - Dividend Restrictions</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPoliciesPolicies" roleURI="http://www.cloverhealth/role/SummaryofSignificantAccountingPoliciesPolicies">
        <link:definition>9955511 - Disclosure - Summary of Significant Accounting Policies (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesTables" roleURI="http://www.cloverhealth/role/InvestmentSecuritiesTables">
        <link:definition>9955512 - Disclosure - Investment Securities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsTables" roleURI="http://www.cloverhealth/role/FairValueMeasurementsTables">
        <link:definition>9955513 - Disclosure - Fair Value Measurements (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="UnpaidClaimsTables" roleURI="http://www.cloverhealth/role/UnpaidClaimsTables">
        <link:definition>9955514 - Disclosure - Unpaid Claims (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitPlansTables" roleURI="http://www.cloverhealth/role/EmployeeBenefitPlansTables">
        <link:definition>9955515 - Disclosure - Employee Benefit Plans (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EarningsLossperShareTables" roleURI="http://www.cloverhealth/role/EarningsLossperShareTables">
        <link:definition>9955516 - Disclosure - Earnings (Loss) per Share (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OperatingSegmentsTables" roleURI="http://www.cloverhealth/role/OperatingSegmentsTables">
        <link:definition>9955517 - Disclosure - Operating Segments (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPoliciesDetails" roleURI="http://www.cloverhealth/role/SummaryofSignificantAccountingPoliciesDetails">
        <link:definition>9955518 - Disclosure - Summary of Significant Accounting Policies (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesScheduleofPresentCostorAmortizedCostandFairValuesofInvestmentsDetails" roleURI="http://www.cloverhealth/role/InvestmentSecuritiesScheduleofPresentCostorAmortizedCostandFairValuesofInvestmentsDetails">
        <link:definition>9955519 - Disclosure - Investment Securities - Schedule of Present Cost or Amortized Cost and Fair Values of Investments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesScheduleofPresentCostorAmortizedCostandFairValuesofInvestmentsDetails_1" roleURI="http://www.cloverhealth/role/InvestmentSecuritiesScheduleofPresentCostorAmortizedCostandFairValuesofInvestmentsDetails_1">
        <link:definition>9955519 - Disclosure - Investment Securities - Schedule of Present Cost or Amortized Cost and Fair Values of Investments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesScheduleofAmortizedCostandFairValueofDebtSecuritiesDetails" roleURI="http://www.cloverhealth/role/InvestmentSecuritiesScheduleofAmortizedCostandFairValueofDebtSecuritiesDetails">
        <link:definition>9955520 - Disclosure - Investment Securities - Schedule of Amortized Cost and Fair Value of Debt Securities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesScheduleofNetInvestmentIncomeDetails" roleURI="http://www.cloverhealth/role/InvestmentSecuritiesScheduleofNetInvestmentIncomeDetails">
        <link:definition>9955521 - Disclosure - Investment Securities - Schedule of Net Investment Income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesScheduleofGrossUnrealizedLossesandFairValueDetails" roleURI="http://www.cloverhealth/role/InvestmentSecuritiesScheduleofGrossUnrealizedLossesandFairValueDetails">
        <link:definition>9955522 - Disclosure - Investment Securities - Schedule of Gross Unrealized Losses and Fair Value (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesAdditionalInformationDetails" roleURI="http://www.cloverhealth/role/InvestmentSecuritiesAdditionalInformationDetails">
        <link:definition>9955523 - Disclosure - Investment Securities - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesScheduleofProceedsfromSalesandMaturitiesofInvestmentSecuritiesDetails" roleURI="http://www.cloverhealth/role/InvestmentSecuritiesScheduleofProceedsfromSalesandMaturitiesofInvestmentSecuritiesDetails">
        <link:definition>9955524 - Disclosure - Investment Securities -Schedule of Proceeds from Sales and Maturities of Investment Securities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsScheduleofFairValueMeasurementsforItemsDetails" roleURI="http://www.cloverhealth/role/FairValueMeasurementsScheduleofFairValueMeasurementsforItemsDetails">
        <link:definition>9955525 - Disclosure - Fair Value Measurements - Schedule of Fair Value Measurements for Items (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsScheduleofChangesinBalancesofLevel3FinancialLiabilitiesDetails" roleURI="http://www.cloverhealth/role/FairValueMeasurementsScheduleofChangesinBalancesofLevel3FinancialLiabilitiesDetails">
        <link:definition>9955526 - Disclosure - Fair Value Measurements - Schedule of Changes in Balances of Level 3 Financial Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="HealthcareReceivablesDetails" roleURI="http://www.cloverhealth/role/HealthcareReceivablesDetails">
        <link:definition>9955527 - Disclosure - Healthcare Receivables (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RelatedPartyTransactionsDetails" roleURI="http://www.cloverhealth/role/RelatedPartyTransactionsDetails">
        <link:definition>9955528 - Disclosure - Related-Party Transactions (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="UnpaidClaimsScheduleofActivityintheLiabilityforUnpaidClaimsandClaimsAdjustmentExpenseDetails" roleURI="http://www.cloverhealth/role/UnpaidClaimsScheduleofActivityintheLiabilityforUnpaidClaimsandClaimsAdjustmentExpenseDetails">
        <link:definition>9955529 - Disclosure - Unpaid Claims - Schedule of Activity in the Liability for Unpaid Claims and Claims Adjustment Expense (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="UnpaidClaimsAdditionalinformationDetails" roleURI="http://www.cloverhealth/role/UnpaidClaimsAdditionalinformationDetails">
        <link:definition>9955530 - Disclosure - Unpaid Claims - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="VariableInterestEntityandEquityMethodofAccountingDetails" roleURI="http://www.cloverhealth/role/VariableInterestEntityandEquityMethodofAccountingDetails">
        <link:definition>9955531 - Disclosure - Variable Interest Entity and Equity Method of Accounting (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitPlansAdditionalInformationDetails" roleURI="http://www.cloverhealth/role/EmployeeBenefitPlansAdditionalInformationDetails">
        <link:definition>9955532 - Disclosure - Employee Benefit Plans - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitPlansScheduleofShareBasedPaymentArrangementActivityDetails" roleURI="http://www.cloverhealth/role/EmployeeBenefitPlansScheduleofShareBasedPaymentArrangementActivityDetails">
        <link:definition>9955533 - Disclosure - Employee Benefit Plans - Schedule of Share-Based Payment Arrangement, Activity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitPlansScheduleofStockBasedCompensationCostDetails" roleURI="http://www.cloverhealth/role/EmployeeBenefitPlansScheduleofStockBasedCompensationCostDetails">
        <link:definition>9955534 - Disclosure - Employee Benefit Plans - Schedule of Stock-Based Compensation Cost (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitPlansScheduleofStockOptionActivityDetails" roleURI="http://www.cloverhealth/role/EmployeeBenefitPlansScheduleofStockOptionActivityDetails">
        <link:definition>9955535 - Disclosure - Employee Benefit Plans - Schedule of Stock Option Activity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitPlansScheduleofTotalRSUsActivityDetails" roleURI="http://www.cloverhealth/role/EmployeeBenefitPlansScheduleofTotalRSUsActivityDetails">
        <link:definition>9955536 - Disclosure - Employee Benefit Plans - Schedule of Total RSUs Activity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitPlansScheduleofTotalPRSUsActivityDetails" roleURI="http://www.cloverhealth/role/EmployeeBenefitPlansScheduleofTotalPRSUsActivityDetails">
        <link:definition>9955537 - Disclosure - Employee Benefit Plans - Schedule of Total PRSUs Activity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitPlansScheduleofESPPValuationAssumptionDetails" roleURI="http://www.cloverhealth/role/EmployeeBenefitPlansScheduleofESPPValuationAssumptionDetails">
        <link:definition>9955538 - Disclosure - Employee Benefit Plans - Schedule of ESPP Valuation Assumption (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxesDetails" roleURI="http://www.cloverhealth/role/IncomeTaxesDetails">
        <link:definition>9955539 - Disclosure - Income Taxes (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EarningsLossperShareScheduleofContinuingandDiscontinuedoperationsofBasicandDilutedNetLossPerShareDetails" roleURI="http://www.cloverhealth/role/EarningsLossperShareScheduleofContinuingandDiscontinuedoperationsofBasicandDilutedNetLossPerShareDetails">
        <link:definition>9955540 - Disclosure - Earnings (Loss) per Share - Schedule of Continuing and Discontinued operations of Basic and Diluted Net Loss Per Share (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EarningsLossperShareScheduleofAntidilutiveSecuritiesExcludedfromDilutedNetLossIncomePerShareDetails" roleURI="http://www.cloverhealth/role/EarningsLossperShareScheduleofAntidilutiveSecuritiesExcludedfromDilutedNetLossIncomePerShareDetails">
        <link:definition>9955541 - Disclosure - Earnings (Loss) per Share - Schedule of Antidilutive Securities Excluded from Diluted Net (Loss) Income Per Share (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsandContingenciesDetails" roleURI="http://www.cloverhealth/role/CommitmentsandContingenciesDetails">
        <link:definition>9955542 - Disclosure - Commitments and Contingencies (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OperatingSegmentsAdditionalInformationDetails" roleURI="http://www.cloverhealth/role/OperatingSegmentsAdditionalInformationDetails">
        <link:definition>9955543 - Disclosure - Operating Segments - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OperatingSegmentsScheduleofRevenuebyOperatingSegmentDetails" roleURI="http://www.cloverhealth/role/OperatingSegmentsScheduleofRevenuebyOperatingSegmentDetails">
        <link:definition>9955544 - Disclosure - Operating Segments - Schedule of Revenue by Operating Segment (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <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_ConversionFromClassBToClassACommonStockShares" abstract="false" name="ConversionFromClassBToClassACommonStockShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <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_RealizedInvestmentLossesGains" abstract="false" name="RealizedInvestmentLossesGains" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ProceedsFromMaturityOfShortTermInvestmentsAndDebtSecuritiesAvailableForSaleAndHeldToMaturity" abstract="false" name="ProceedsFromMaturityOfShortTermInvestmentsAndDebtSecuritiesAvailableForSaleAndHeldToMaturity" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_ProceedsFromIssuanceOfCommonStockNetOfEarlyExerciseLiability" abstract="false" name="ProceedsFromIssuanceOfCommonStockNetOfEarlyExerciseLiability" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_CashPaidForSharesWithheldRelatedToStockBasedCompensation" abstract="false" name="CashPaidForSharesWithheldRelatedToStockBasedCompensation" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ScheduleOfInvestmentSecuritiesReconciliationTableTextBlock" abstract="false" name="ScheduleOfInvestmentSecuritiesReconciliationTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <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_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax" abstract="false" name="AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax" nillable="true" xbrli:periodType="instant" 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_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionYearOneFairValue" abstract="false" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionYearOneFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerFairValue" abstract="false" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionFairValue" abstract="false" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionFairValue" nillable="true" xbrli:periodType="instant" 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_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositionsYearOne" abstract="false" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositionsYearOne" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositions12MonthsOrLonger" abstract="false" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositions12MonthsOrLonger" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <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_ShortTermInvestmentsAndAvailableForSaleSecuritiesGrossRealizedLosses" abstract="false" name="ShortTermInvestmentsAndAvailableForSaleSecuritiesGrossRealizedLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_PrivateEquityInvestmentsMember" abstract="true" name="PrivateEquityInvestmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_FinancialAssetsFairValueDisclosure" abstract="false" name="FinancialAssetsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" 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-types:domainItemType"/>
  <xs:element id="clov_CredoMember" abstract="true" name="CredoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_GuidehealthLLCMember" abstract="true" name="GuidehealthLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_GoldenScriptMember" abstract="true" name="GoldenScriptMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_WormholeCapitalMember" abstract="true" name="WormholeCapitalMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_MasterServicesAgreementMember" abstract="true" name="MasterServicesAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_EquityOwnershipInterestPercentage" abstract="false" name="EquityOwnershipInterestPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="clov_InsuranceOperationsMember" abstract="true" name="InsuranceOperationsMember" 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_SecondPrivateCapitalTransactionMember" abstract="true" name="SecondPrivateCapitalTransactionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_CharacterBiosciencesIncMember" abstract="true" name="CharacterBiosciencesIncMember" 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_PerformanceRestrictedStockUnitsMember" abstract="true" name="PerformanceRestrictedStockUnitsMember" 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_ShareBasedCompensationArrangementByShareBasedPaymentAwardVolumeWeightedAverageStockClosingPrice" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardVolumeWeightedAverageStockClosingPrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <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_TwoThousandsTwentyManagementIncentivePlanMember" abstract="true" name="TwoThousandsTwentyManagementIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_A2022InducementAwardPlanMember" abstract="true" name="A2022InducementAwardPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types: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-types:perShareItemType"/>
  <xs:element id="clov_PerformanceBasedRestrictedStockUnitsMember" abstract="true" name="PerformanceBasedRestrictedStockUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_LitigationNumberOfAdditionalComplaints" abstract="false" name="LitigationNumberOfAdditionalComplaints" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="clov_InsuranceSegmentMember" abstract="true" name="InsuranceSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_SalariesAndBenefitsOther" abstract="false" name="SalariesAndBenefitsOther" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_GeneralAndAdministrativeExpenseOther" abstract="false" name="GeneralAndAdministrativeExpenseOther" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="clov_ConradWaiMember" abstract="true" name="ConradWaiMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="clov_AndrewToyMember" abstract="true" name="AndrewToyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
