Abstract The main objective of this research is to identify the factors affecting the occurrence of fraud in general insurance by incorporating the logistic model and Cox model into one model (Logistic-Cox Model) to calculate the probability of filing a fraudulent claim for each person in the light of its model determinants. The logistic model was used to estimate the baseline hazard in the Cox model and then the two models were combined. The research found that the length of time a person deals with an insurance company is one of the major determinants of insurance fraud. The more time a person deals with the company, the less likely it is to file a fraudulent claim. Other factors affecting the probability of making a fraudulent claim are marital status (married or unmarried), the status of the person in terms of being retired or non-retired, the educational level of the insured, the average annual income of the insured and the type of claim. There are some factors that have no 2 significant effect on making a fraudulent claim, namely, gender (male or female), and the