Purpose This study examined the wear comfort and thermal insulation properties of Al2O3/graphite particle-imbedded sheath/core and dispersed fabrics via a thermal manikin experiment. Design/methodology/approach Al2O3/graphite sheath/core and dispersed polyethylene terephthalate (PET) yarn (POY 120d/24f) were spun using a pilot melt bi-component conjugated spinning machine, which was texturized as 75d/24f on the belt-type texturing machine. The woven fabric specimens were made using nylon 70d/34f in the warp with three types of weft yarn: Al2O3/graphite sheath/core, dispersed and regular PET yarns. Thermal insulation properties were measured and compared in terms of the heat retention rate (I) by KES-F7 apparatus and the maximum surface temperature by light heat emission equipment, as verified by the emissivity of various fabric specimens by far-infrared ray experiment. In addition, this study examined the thermal insulation (Clo value) characteristics of the clothes made of Al2O3/graphite sheath/core and dispersed fabrics using a thermal manikin apparatus, which were compared with the properties of regular PET clothing. Findings The thermal insulation of the dispersed fabric was superior to that of the sheath/core fabric, which was tentatively attributed to the higher emissivity of the dispersed yarn with Al2O3/graphite particles distributed over the whole yarn cross- than that from the core of the sheath/core yarn. This result for the clothing measured using a thermal manikin was consistent with the higher heat retention rate (I) and the maximum surface temperature of the dispersed fabric than that of the sheath/core fabric. In addition, the thermal insulation of the dispersed and sheath/core fabrics was superior to that of the regular PET fabric, which revealed that the Al2O3/graphite particles imbedded in the dispersed and sheath/core yarns exerted a greater effect on the heat storage and release characteristics compared to that of the TiO2 particles in regular PET yarn. The Clo values of the dispersed and sheath/core fabrics under the light-on condition were much higher than those under the light-off condition, and furthermore, the difference of the Clo value between the sheath/core and regular PET fabrics under light-on condition was approximately 1.7 times greater than that under the light-off condition. These results revealed that the far-infrared rays emitted from the Al2O3/graphite particles imbedded in the sheath/core and dispersed yarns enhance the heat storage and release characteristics from the fabric under the light-on condition, i.e. under the sunlight. Originality/value The previously examined thermal wear comfort properties of the various inorganic particle-imbedded fabrics were measured with the fabric state, not clothing, which could not provide objective data related to the actual wearing performance of clothing.