So the lost signal takes the path Antenna->Human Body->Ground. To model this effect for (ESD evaluation) the test is to touch the contact to a 1.5 kohm resistor in series with a 100pf capacitor to ground. (From http://www.esda.org/documents/FundamentalsPart5.pdf)
This 100pf capacitance is quite a low impedance at 1900 MHz (x=1/2piFC), just -j 0.838 ohms. To increase this impedance, note that capacitors in series decrease the overall capacitance (which increases impedance). So you can create such a capacitor by adding dielectric (any insulator) between the antenna and the hand. The thicker this insulator is the lower the added series capacitance. And the lower the added capacitance, the greater the impedance and the less overall coupling of signal to the human body. The calculation of exactly how much capacitance is created by a layer of clear coat between the metal antenna and the hand is, um, left to the reader.
Also, I believe the antenna is split to two sides because each antenna fulfills a different function in a different RF band. One is 3G and one is wifi. Broadband antennas are difficult, but not impossible to make, so I think this is a case of the keep-it-simple-stupid approach.