High pressure tunnels with concrete lining have been extensively utilized in project practice. However, due to the characteristic of concrete being susceptible to cracking under tension, the lining inevitably develops cracks under high internal water pressure, posing a serious threat to the operation of tunnels. This study aims at developing a hydro-mechanical numerical model of cohesive crack propagation of concrete lining in high internal pressure tunnels. In this regard, the determination of cohesive element parameters is elucidated, the contact simulation within the software ABAQUS is improved to accurately characterize the interface between lining and surrounding rock, and the numerical calculation process in ABAQUS is realized using indirect coupled method. The simulation results align well with the physical model test and engineering monitoring data, demonstrating that the proposed method can accurately simulate the hydraulic interactions of high pressure tunnel. Additionally, a comparison with calculation models employing tie constraints to simulate the lining-surrounding rock interface is conducted. Finally, comparison with traditional continuum method reveals that while both methods exhibit consistent overall trends. It is recommended to choose the proposed method when describing the discontinuous propagation process of cracks, which cannot be simulated by the continuum analysis method.