The invention discloses an inorganic material hybrid hard melamine polyurethane foam heat insulation material, a preparation method thereof and combined polyether used therein. The combined polyether comprises: a polyol flame retardant, hydroxyl calcium phosphate, an inorganic material compounded with hydroxyl calcium phosphate, glycerin, N, N, N, N, N-pentamethyl diethylenetriamine, dimethyl cyclohexyl amine, 33+ / -1Wt.% triethylene diamine's dipropylene glycol solution, organic tin, hexahydro triazine, a foaming agent 141B, water, and silicone oil AK-158. The preparation method includes: mixing the combined polyether with isocyanate in ratio, and then carrying out spraying or casting foaming moulding, thus forming the heat insulation material. The heat insulation material has the characteristics of stable physical performance, no deformation, no shrinkage, strong bonding force, low thermal conductivity, an oxygen index up to over 30%, and a combustion heat release rate increase index of less than 250W / S.