Human body communication means transmitting and receiving data through human body medium or through free space along with the human body skin. Electric field distribution around the human body between the transmitter and the receiver were calculated at five different frequencies with 5 MHz interval between 10 MHz and 30 MHz. Commercial electromagnetic simulation tool was used for the calculation of E-field distributions applying the Korean standard male model including 29 different kinds of human tissues. After calculating specific absorption rate(SAR) values on back of the hand, it was compared with International Commission on Non-Ionizing Radiation Protection(ICNIRP) human protection guideline. While conductivities(${sigma}$) and relative permittivities(${varepsilon}_r$) of the human tissues for each frequency were input as the analyzing parameters, electric field intensities near both hands were integrated along the integral line between the nearby electrodes for the calculation of the transmitting and receiving voltages whose ratio was defined as channel loss. The calculated channel losses were about ($75{pm}1$) dB and showed nearly flat response all through the evaluated frequencies.