Simulation of the electromagnetic response of the human body relies heavily upon efficient computational CAD models or phantoms. The Visible Human Project (VHP)-Female v. 3.1 - a new platform-independent full-body electromagnetic computational model is revealed. This is a part of a significant international initiative to develop powerful computational models representing the human body. This model’s unique feature is full compatibility both with MATLAB and specialized FEM computational software packages such as ANSYS HFSS/Maxwell 3D and CST MWS. Various mesh processing algorithms such as automatic intersection resolver, Boolean operation on meshes, etc. used for the development of the Visible Human Project (VHP)-Female are presented. The VHP - Female CAD Model is applied to two specific low frequency applications: Transcranial Magnetic Stimulation (TMS) and Transcranial Direct Current Stimulation (tDCS). TMS and tDCS are increasingly used as diagnostic and therapeutic tools for numerous neuropsychiatric disorders. The development of a CAD model based on an existing voxel model of a Japanese pregnant woman is also presented. TMS for treatment of depression is an appealing alternative to drugs which are teratogenic for pregnant women. This CAD model was used to study fetal wellbeing during induced peak currents by TMS in two possible scenarios: (i) pregnant woman as a patient; and (ii) pregnant woman as an operator. An insight into future work and potential areas of research such as a deformable phantom, implants, and RF applications will be presented.