An apparatus and a method to generate an atrial fibrillation prediction model, and an apparatus and a method to predict atrial fibrillation are provided. An atrial fibrillation (AF) prediction model generating apparatus includes a feature extractor configured to extract T-wave features in a predetermined time period from electrocardiogram data and generate a T-wave feature profile based on the extracted features, and a prediction model generator configured to classify the generated T-wave feature profile and generate an AF prediction model using the classified feature profile.