The equation for calculating the effective refractive index of porous silicon inserted polymer was obtained by three-component Bruggeman effective medium model. The dependence of the effective refractive index of porous silicon/polymer composite films on the polymer fraction with various initial porosity was given theorically and experimentally respectively. The porous silicon and polymer polymethylmetacrylate based dispersive red one (PMMA/DR1) composite films were fabricated in our experiments. It is found that the measured effective refractive index of porous silicon inserted polymer was slightly lower than the calculated result because of the oxidization of porous silicon. The effective refractive index of oxidized porous silicon inserted polymer also was analyzed by four-component medium system.