This manuscript analyses a Coplanar Waveguide (CPW) fed ground-slotted antenna for dual-frequency operations. The proposed design comprises a ground circular slot and a modified angular ring with two added strips to obtain dual operating bands and polarization characteristics. The proposed structure is printed on an FR-4 epoxy substrate with a thickness (h) of 1.6 mm and  = 4.4. The overall antenna size is 32×32 mm². The measured reflection coefficient, axial ratio, gain, and radiation pattern are in good agreement with simulated results. The lower band operated at 2450 MHz frequency with impedance bandwidths of 275 MHz (from 2350 MHz–2625 MHz) and linearly polarized (LP), and the upper band operated at 5200 MHz with 500 MHz (from 4950 MHz–5450 MHz) operation band coverage and circularly polarized (CP). The upper band is circularly polarized with a 3 dB axial bandwidth from 4850 to 5400 MHz. The designed structure is suitable for on and off-body applications in lower and upper bands, respectively. The proposed antenna characteristics have also been examined on the human arm, and analysis of the Specific Absorption Rate (SAR) to ensure human tissue safety.