I have actually seen this phenomena many times on different equipment, and I have measured with a DVM on an AC range each time, always for safety reasons, and when I have "felt it", it has always been over 100 VAC.
Naturally, an older or even a defective meter with a very low impedance might measure a lower voltage that a good high impedance DVM will, it is as you say only Ohm's Law.
But generally speaking a good modern DVM will have a much higher "Ohms per volt" and will therefore actually be far higher resistance than an average human.
So the human being having a lower resistance, will actually drop the voltage far more, than a halfway decent meter....
Only a really old, low "Ohms per volt" meter will be around a human's body resistance.
I measured myself on a digital meter, and I got a value of under 6 Meg Ohms (dry skin), between my left and right hands....
The meter I used (a mid price range DVM), has 10 meg ohms per volt!
Some more expensive DVMs can go up to 1 Gig Ohm per volt! See here:-
en.wikipedia.org
The higher the input resistance, the higher the voltage measured (Ohm's Law as you mentioned), due to the meter NOT loading up the voltage as much.
For instance on the 200 volts range of an average DVM, we are talking about 10,000,000 x 200 = 1,000,000,000 Ohms!!
I actually believe, as I mentioned before, that the apparent error might simply be that the OP measured using a DC range (or a DC only Meter) on the meter, but guessing only!
Maybe he will let us know!
Andy
PS. A younger person than I, would also usually have an even lower skin resistance than I do....My skin is very dry!