Glazing elements are an important part of the thermal envelope of a building. Therefore, good thermal performance of glazing elements can improve indoor comfort and reduce annual maintenance costs and CO2 (carbon dioxide) emissions by reducing heat loss. Reducing heat loss through glazing elements during the heating season can be achieved by combining low thermal transmittance with high solar heat gain. Using standardized calculation methods and measured climate data for three Slovenian locations representing typical continental, mountainous and Mediterranean climates, this study predicts the best combination of optical properties (emissivity, transmittance and reflectance) of glass panes in double and triple glazing systems that contribute to minimal heat loss. It was found that for the double glazing system, the minimum heating and cooling demand for buildings with low solar gains or high solar gains and applied shading is achieved by an inner pane with high transmittance without low-emissivity coating, and an outer pane with low-emissivity coating with minimum possible emissivity. In Maribor and Portorož climatic zones, the panes with low emissivity coating should be used as inner panes in buildings with high solar gains. For triple glazing, the minimum heating and cooling requirements are achieved with two or three panes with low emissivity. For buildings with low solar gains, an emissivity of the coating of 0.03 is preferable, but for buildings with high solar gains, lower emissivity values should be used.