A method for detecting a cardiac arrhythmia from an electrocardiogram includes the steps of identifying a plurality of R-waves in the electrocardiogram during a predetermined time interval; extracting heartbeat complexes corresponding to the identified R-waves; identifying a key region within each heartbeat complex that is morphologically altered in the event of the cardiac arrhythmia; calculating a statistical measurement of an ensemble of the key regions from each of the heartbeat complexes; and determining from the statistical measurement whether the cardiac arrhythmia occurred during the predetermined time interval. An apparatus is also provided that includes a processor that is coupled to receive an electrocardiogram, and is configured in response thereof to perform the method for detecting a cardiac arrhythmia.