This paper presents an optimized 3-coil inductive wireless power transfer (WPT) system at 13.56 MHz and 40.68 MHz to show and compare the specific absorption rate (SAR) effects on human tissue. This work also substantiates the effects of perfect alignment, lateral and/or angular misalignments on the power transfer efficiency (PTE) of the proposed WPT system. Additionally, the impacts of different tissue composition, input power and coil shape on the SAR are analyzed. The distance between the external and implantable coils is 10 mm. The results have been verified through simulations and measurements. The simulated results show that the SAR of the system at 40.68 MHz had crossed the limit designated by the Federal Communications Commission and hence, it is unsafe and causes tissue damage. Measurement results of the system in air medium show that the optimized printed circuit board coils at 13.56 MHz achieved a PTE of 41.7% whereas PTE waned to 18.2% and 15.4% at 10 mm of lateral misalignment and 60° of angular misalignment respectively. The PTE of a combination of 10 mm lateral misalignment and 60° angular misalignment is 21%. To analyze in a real-environment, a boneless pork sample with 10 mm of thickness is placed as a medium between the external and implantable coils. At perfect alignment, the PTE through pork sample is 30.8%. A RF power generator operating at 13.56 MHz provides 1 W input power to the external coil and the power delivered to load through the air and tissue mediums are 347 mW and 266 mW respectively.