In this study, an electromagnetic field approach is used to clarify the mechanism of on-body transmission. A homogeneous cylinder is used as an arm model, and the characteristic of electromagnetic field distribution around the cylinder is extracted based on surface wave approximation and numerical analysis, respectively. As a result, the surface wave approximation is found to be valid in the far-field region from the excitation source in the frequency range of 10-150 MHz. Moreover, in the near-field region of the excitation source, the attenuation along the cylinder surface is much smaller than that toward the outside. In addition, by using a numerical human body model, the path loss for on-body transmission is also formulated.