this paper presents the human EM exposure simulation study considering the presence of a hand, holding the handset. The inhomogeneous child model was used to simulate thermal response of head tissues exposed to RF energy at 900 MHz, 1900 MHz and 3700 MHz frequencies. The goal of proposed research is to study how the head and hand (fingers) positions (being in a near field of phone's antenna) can influence on the SAR pick values and temperature rise in the head tissues, caused by absorption of EM field energy. 1mm and 10mm distances have been studied from the handset to the child's head model. Numerical simulations are carried out using finite-difference time domain (FDTD) method. Obtained results are presented and analyzed below.