This paper presents a multi-tone CDMA (MT-CDMA) based system specification for wireless body area network (WBAN) applications. According to the factors of bandwidth, carrier frequency, and electric field intensity defined in wireless medical telemetry service, the function blocks and data format are designed through the considerations of hardware cost, power consumption, and system performance. The design constraints for baseband processor, data conversion, and RF circuits are defined. This work achieves PER=1% and allows interferer distance less than 1.01m. In energy-spectrum efficiency, it provides 3.125 times energy-spectrum product less than the state-of-the-art systems for healthcare applications.