The invention provides a disposable programmable ECG sensor patch for the non-invasive detection of risk patterns according to programmed criteria. The patch is programmed by a medical professional to select one or more monitoring parameters for detection and alarm indication. One application is to detect changes in the ECG due to cardioactive drugs. Another application is triggering an alarm for a cardiac patient during a stress condition. The programmable patch operates in conjunction with an external programming unit for selecting the detection monitoring parameters.