Взято отсюда microsoft/TypeScript#14094 (comment)
type Without<T, U> = { [P in Exclude<keyof T, keyof U>]?: never };
type XOR<T, U> = (T | U) extends object ? (Without<T, U> & U) | (Without<U, T> & T) : T | U;
type NameOnly = { is: "NameOnly", name: string };
type FirstAndLastName = { is: "FirstAndLastName", firstname: string; lastname: string };
type Person = XOR<NameOnly, FirstAndLastName>;
let person: Person;
person = { is: "NameOnly", name: "Foo" };
person = { is: "FirstAndLastName", firstname: "Foo", lastname: "Bar" };
let stringOrNumber: XOR<string, number>;
stringOrNumber = 14;
stringOrNumber = "foo";
let primitiveOrObject: XOR<string, Person>;
primitiveOrObject= "foo";
primitiveOrObject= { is: "NameOnly", name: "Foo" };
primitiveOrObject= { is: "FirstAndLastName", firstname: "Foo", lastname: "Bar" };