The purpose of research is to develop a computer simulation based mobile phone safety testing scheme that is well suited for testing any mobile phone antenna at different communication frequencies and various realistic scenarios. It has been shown how feasible the study of realistic models is, what difficulties may occur, what effects, moments appear in the modeling process. The aim of the study is also to show the need for changes in the standard of mobile phone safety testing and to investigate the possibilities of implementing these changes. It is preferable for manufacturers to perform testing using human realistic models through numerical calculations and conduct safety compliance testing under realistic conditions to produce more realistic picture. Computer modeling gives the possibility to consider various realistic models, realistic scenarios and different tissue dielectric properties according to the frequency. It was investigated how mobile phone antenna radiation parameters (S11 reflection coefficient) change according to the various positions of the hand and fingers at standard communication 2100 MHz and 3700 MHz frequencies; were estimated Specific Absorption Rate (SAR) values in the human head and their dependence on S11 parameters were studied. Based on the obtained results, it has been shown that the preferred S11 behavior should be one of the indicators in the phone safety standards. For this, manufacturers should carry out mobile phone antenna matching/S11 parameter testing with free space.