The objective of the current study is designing a thermal waist-pad for people who have backaches with a sandwich-like multi-layered structure. Two model is developed; one is three-layered and second is five-layered with waterproof woven outer layer fabric, Thermolite (R) knitted fabric (for five-layered structures), wool knitted, polyester nonwoven fabric, polypropylene nonwoven fabric and viscose nonwoven fabric for mid-layer. 10 different structures are designed and produced. All samples are tested for thermal comfort properties of waist-pad. Multi-layer structures were tested, and according to their thermal performance and thermal comfort criteria, all results are evaluated for identifying the best product. These three factors are examined by analysis of thermal conductivity, thermal resistance, thermal absorptivity, relative water vapour/air permeability, water absorption. Highest thermal resistance test result, 150,42 mK/Wm(2), is achieved in five-layered sandwich structure with waterproof fabric, Thermolite (R) fabric, wool based knitted fabric, Thermolite (R) fabric and waterproof fabric, respectively. Thermal conductivity result of this structure is 46,2 mW/mK, which is one of the lowest results among the alternative structures. Structures with Thermolite (R) fabric show higher thermal comfort when compared to others.