In this study, the new tool for measuring thermal insulating power of garments for premature babies under coupled heat and moisture transport was developed. The thermal mannequin corresponds to the body weight and size of a premature baby born in the thirty fourth week of pregnancy. The mannequin surface temperature can be set at various levels, while the heat loss is measured in W/m2. The mannequin is divided into eleven independent heating zones and seven independent zones of moisture evolution. The study also presents the test results of heat insulating power obtained for the newly developed garment set with commercially available garment set for babies, conducted under different climatic conditions. The results exhibit the advantage of the new material construction of the garment over the commercially available one.