This paper presents a modified microwave radio-thermometer (MRTM) with material characteristic estimator and multiple temperature conversion tables to measure subcutaneous temperature of a living body. This estimator provides a temperature retrieval unit with material characteristics such as permittivity, conductivity, thickness and geometry of the living body. The temperature retrieval unit with multiple temperature conversion tables can select one of the tables and compute temperature value corresponding to measured radiation power. In the experiments, it was shown that the radio-thermometer could reduce measurement errors of about 0.82 to 7.68 for the cases of distilled water and mixed liquid # 5 with thickness of 29.5 cm and 9.5 cm at the temperature of 37.