How do you deal with polymorphism in a database?
Take a look at Martin Fowler's Patterns of Enterprise Application Architecture:
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Single Table Inheritance:
When mapping to a relational database, we try to minimize the joins that can quickly mount up when processing an inheritance structure in multiple tables. Single Table Inheritance maps all fields of all classes of an inheritance structure into a single table.
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Class Table Inheritance:
You want database structures that map clearly to the objects and allow links anywhere in the inheritance structure. Class Table Inheritance supports this by using one database table per class in the inheritance structure.
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Concrete Table Inheritance:
Thinking of tables from an object instance point of view, a sensible route is to take each object in memory and map it to a single database row. This implies Concrete Table Inheritance, where there's a table for each concrete class in the inheritance hierarchy.
There are generally three ways of mapping object inheritance to database tables.
You can make one big table with all the fields from all the objects with a special field for the type. This is fast but wastes space, although modern databases save space by not storing empty fields. And if you're only looking for all users in the table, with every type of person in it things can get slow. Not all or-mappers support this.
You can make different tables for all the different child classes with all of the tables containing the base-class fields. This is ok from a performance perspective. But not from a maintenance perspective. Every time your base-class changes all the tables change.
You can also make a table per class like you suggested. This way you need joins to get all the data. So it's less performant. I think it's the cleanest solution.
What you want to use depends of course on your situation. None of the solutions is perfect so you have to weigh the pros and cons.