To provide a heat developable photosensitive material having excellent sensitivity, good coating property and no devitrification after thermal development.

This heat developable photosensitive material has a photosensitive layer 13 containing an org. silver salt, photosensitive silver halide particles and reducing agent on a supporting body 11. In this material, a layer containing inorg. fine particles or a fluorine-contg. polymer layer 12 is formed on the surface of the supporting body 11. Preferably, the layer containing the inorg. fine particles or the fluorine-contg. polymer layer 12 has voids and/or has ≤1.50 refractive index of the layer.