To address the issues of workpiece distortion and excessive material melting caused by heat accumulation during laser cutting of thin-walled sheet metal components, this paper proposes a segmented optimization method for process parameters in sheet metal laser cutting considering thermal effects. The method focuses on predetermined perforation points and machining paths. Firstly, an innovative temperature prediction model Tpr,t is established for the nth perforation point during the cutting process, with a prediction error of less than 10%. Secondly, using the PSO-BP-constructed prediction model for laser cutting quality features and an empirical model for processing efficiency features, a multi-objective model for quality and efficiency is generated. The NSGA II algorithm is employed to solve the objective optimization model and obtain the Pareto front. Next, based on the predicted temperature at the perforation point using the model Tpr,t, the TOPSIS decision-making method is applied. Different weights for quality and efficiency are set during the cutting stages where the temperature is below the lower threshold and above the upper threshold. Various combinations of machining parameters are selected, and by switching the parameters during the cutting process, the thermal accumulation (i.e., temperature) during processing is controlled within a given range. Finally, the effectiveness of the proposed approach is verified through actual machining experiments.