In dense systems composed of numerous nanoparticles, direct simulations of near-field radiative heat transfer (NFRHT) require considerable computational resources. NFRHT for the simple one-dimensional nanoparticle chains embedded in a non-absorbing host medium is investigated from the point of view of the continuum by means of an approach combining the many-body radiative heat transfer theory and the Fourier law. Effects of the phase change of the insulator-metal transition material (), the complex many-body interaction (MBI) and the host medium relative permittivity on the characteristic effective thermal conductivity (ETC) are analyzed. The ETC for nanoparticle chains below the transition temperature can be as high as 50 times of that above the transition temperature due to the phase change effect. The strong coupling in the insulator-phase nanoparticle chain accounts for its high ETC as compared to the low ETC for the chain at the metallic phase, where there is a mismatch between the characteristic thermal frequency and resonance frequency. The strong MBI is in favor of the ETC. For SiC nanoparticle chains, the MBI even can double the ETC as compared to those without considering the MBI effect. For the dense chains, a strong MBI enhances the ETC due to the strong inter-particles couplings. When the chains go more and more dilute, the MBI can be neglected safely due to negligible couplings. The host medium relative permittivity significantly affects the inter-particles couplings, which accounts for the permittivity-dependent ETC for the nanoparticle chains.