Abstract: A disposable undergarment is formed of a single sheet of non-woven cellulose material such as paper. The material is cut into a generally hour-glass shape defining a front portion, back portion, intermediate crotch portion, two generally semicircular opposed cut-outs at each side of the material, a detachable crotch insert portion formed within one of the opposed cut-outs, and may include a detachable circular container portion formed within one of the opposed cut-outs and adjoined to the front portion. The crotch insert is secured to the intermediate crotch portion in superposed relation forming a double ply crotch area. The front and back portions are secured together at their sides to form a main body portion having a pair of leg openings and a waist portion at the top thereof. The outer edges of the leg openings and side edges of the crotch insert are folded over and sewn along the fold with elastic thread or rubber band elastic to form a stretchable elastic hem about the leg openings.