Two combined reasons: Convection, and the subsequently increased evaporation, both increases the heat transfer from the body to the air. (Convection means air or fluid that is moving).
Human senses typically detects a change in temperature so if the air is close to body temp, it will not feel cool, unless you’re sweating…then the evaporating sweat will actually still feel cooler even at 98°C ambient…but that depends on humidity. Higher humidity means lesser evaporation.
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