Hi,
in Germany, women are normally stethed with their bra on. If they don't wear one, of course, naked breasts !
According to what female friends and Girl friends tell and told me so far, they mostly are stethoscoped with bra on - but with exceptions. Some told me, that they had to take off their bra at the cadiologist's. Others, big breasted ones, said, that they had to take off the bra and then lie down on the back so that their breasts fall aside to have Access to the auscultation Points of the heart. But I think, in 90 % of normal medical exams, they may Keep the bra on.
In Play exams, that is totally different, of course! I prefer starting auscultattion with (sexy) bra on (because I've got a very severe, sexual bra fetish too :-), then during stething pull down the bra, first sztraps, slowly unhook it in the back, Holding it under the breasts for a while, gliding down, then stething completely without bra, lifiting her arms abov the head (like in a good Strip tease) - and after stething a Long and thorough breast Palpation...
That's what's usual practise in Germany (as far as I can judge it) - and what we do, and we love it like this a lot!!!
BTW: I once had the Chance to watch the Little sister of my Girl friend being stethed t o p l e s s !!! (70 C bra size!) I'll never Forget this Event. I still get a hurting hard on when I recall it !
Love & kisses:
RedStethGuy