The invention relates to a method for evaluating water quality health risk with a chromium ion as a standard toxic substance, comprising the following steps: a toxicity test is conducted on biological fish, if dead fish occurs in 96h, Cr<6+> concentration is used for representing water quality toxicity, and if dead fish does not occur, a luminescent bacteria toxicity test is conducted; if the luminescent inhibition rate is higher than 40%, the Cr<6+> concentration is used for representing the water quality toxicity, and if the luminescent inhibition rate is lower than 40%, an SOS/umu test is conducted; if a test result is positive reaction, the Cr<6+> concentration is used for representing the water quality toxicity, and if a test result is negative reaction, a broad bean root tip micronucleus test is conducted; and if a micronucleus permillage ratio is more than 1.5, the Cr<6+> concentration is used for representing the water quality toxicity, and if the micronucleus permillage ratio is less than 1.5, a unicellular gel electrophoresis test is conducted and the Cr<6+> concentration is used for representing the water quality toxicity. In the invention, the steps are closely related to each other so that both the low pollutant content and the high pollutant content in water quality can be detected, the detection time is shorter, the result is accurate and easy to unify, and quantification evaluation of the water quality toxicity can be realized.