Since the underquilt has an important role of supporting the human body in sleeping, it needs to sustain ample degrees of hardness, elasticity, humidity absorption, and warmth retention property and also to have the two ergonimical requirements : It should not be too soft to allow human bodies to sink in, and that it should be comfortable for humans to tum over in sleeping. This study aims to investigate the effect of the thermal insulation of the variation in weight applied to the underquilt. For this purpose, six items were selected as filling materials for the underquilt : cotton, wool, silk, down, polyester, cotton/ployester. Various weights were applied to each of the underquilts to survey the reduction tendency of its thermal insulation effect. The results are as follow : 1. The Thermal insulation effect of each underquilt decreased in an exponetial function as the weight on the underquilt was increased. 2. The thermal reduction curves according to the load weight insrease were shown to be constant in shape regardless of the weight increase. 3. At the weight of more than $25kg/m^2$ the degree of the thermal insulation effect of each underquilt was found to be in order of down>cotton>silk>polyester>wool>cotton/ployester. 4. The variation in load weight applied to each underquilt was shown to be in reverse correlation with the thermal insulation effect. An estimated regression formula can be made on the data.