I will chime in to say that I also dabbled in this theme over the weekend, since it's back to school season. My girlfriend and I often roleplay student, medical, and ageplay scenarios, so it was an apt time to combine all of them.
In this session my girlfriend (I'll call her Jane for ease here) was playing a girl going into middle school, very innocent and shy and gullible (her favorite traits in her fantasy scenarios) and I was the older town pediatrician. She wore a tank top, jean skirt, plain white bikini undies (a contrast to the thongs I usually have her wear), and a training bra (she has small breasts, slightly too big for it to be a perfect fit, but it worked for the scenario), and hair in pigtails. Part of the reactions throughout is that she's at the age where she starts to think she should be treated more like an adult, but I keep treating her like a younger child.
I had her come into "the office" (bedroom), take a seat, closed the door, then knocked on it a few times and came in with a clipboard with a custom exam sheet I made up a while back (I actually have two on hand, one for when we do "school physicals" and one for her "grown-up" annuals). We had small talk: "Hello, Jane, how are you? Going into middle school this year - that's exciting! Look at you, growing up so fast! Have you done anything fun this summer? How's your home life, mommy and daddy? All right, shoes off, let's get you weighed."
Up on the scale for her, then I take pulse, look at her ears, eyes, and throat ("Say ahh," as I push the tongue depressor in too deep) with a little flashlight, then take her pulse and heartbeat under the shirt, which causes her to stiffen, and then around back for her to breathe in and out. "Okay Jane, let's get your skirt off, I want you to pretend you're a duck and waddle from here to the other side of the office and back, so I can make sure you don't have any joint problems."
Jane: "Really? Do I have to?"
Me: "Jane, you've done this before, there's nothing to be shy about. It will be fun!" Then, after she shyly removes her skirt (Me: "Please fold it up and put it on the chair, just like you have a neat bedroom at home, please!") and starts waddling, I remind her, "Don't forget the silly duck quacks!" And a few (probably not fully-faked humiliated) "quacks come from her as I watched her go to the door and back to the bed. Then it's to bend over for scoliosis check - including a slight lowering of her undies, and me commenting, "I think your training bra is very pretty, Jane!"
I have her sit up and I move her shoulders and elbows to "observe her joints", then lie down as I move her knees and legs fully back - exposing her crotch fully. I have her lie down flat, pull up her tank top to right under her breasts, and listen to her tummy with the stethoscope. Then press down a bit. "Any pain when I press down? What about tummy aches in general?" Then when I slip my fingers under her the band of her panties, the questions start getting more personal: "Any problems when you go tinkle? Pain? Bed wetting? What about number two? Don't be embarrassed, Jane, I know it's hard to talk about these sorts of things, but you need to be honest with me, I promise I just need to know to make sure you're a healthy growing girl."
She says no, then, "Can I go now?"
"I'm sorry, Jane, but you're growing up, and because of that, your school needs me to make sure that you're fully healthy. You're growing up very fast and lots of changes are starting in your body, so we need to make sure that everything is developing well. Now Jane, have you started your period yet?"
She says yes, and I ask the questions about length, flow, pain, sanitary products and hygiene.
"Okay, Jane. Now, arms up - let's get your top off. I need to check your breasts." She goes through the minor humiliation of me having to undress her like she can't do it herself, and she's in panties and bra. "When did you first get a bra, Jane? Make sure your Mommy knows when this one is too small, and she can take you in to get a new one fitted. It's very important not to constrict blood flow, and to make sure they have support. Do you like your breasts, Jane? Do any of your friends make fun of you for having small breasts?"
The bra comes off, and it's time for a breast exam, first while sitting up, then lying down, both times involving pinching the nipples until and "Oww!" comes. Then it's sitting back up: "Show me how you do your breast exam at home. You should do it every month. I'll make a note for your mommy to remind you."
Then, the dreaded part (for her "character", at least): "Okay Jane, I think you know we need to have a talk about the changes happening to you 'down there.' Remember, you need to be honest with me, sweetie. Do you have a boyfriend?"
"No."
"A girlfriend?"
"No! I like boys!"
"Sweetie, you don't need to be so defensive. I know there is a lot of stigma involved in being gay, but it's not good to let society control you like that. Now, please be honest with me, do you like girls?"
"I don't!" She blushed then - this is an aspect we do a lot, and which I enjoy. She actually is hetero, but likes to be told that she's lesbian or bi, and I think it's more than a little because she's working through some issues of her own, but whether or not she ever does have any sort of revelation, I really like the concept of authority figures pressuring straight women to "realize" their same-sex attractions, so it works into a lot of our roleplays (another favorite: her being a business executive who has to go in for "LGBT sensitivity training").
"It's okay, Jane. You don't have to come out of the closet to me now. I'm going to mark you down as being a lesbian, and have your school guidance counselor meet with you regularly to make sure you aren't being bullied. I have a list of therapists who deal with this issue also, I'll send them to your parents. I think therapy can be good for you to learn to come to terms with your sexual orientation not being something to be ashamed about. Have you had sex yet?"
She still blushed, but (probably both in character and in real life to a degree) was happy to move on, even to an (in-character) more humiliating topic. "No."
"Do you masturbate? That means touching your privates so it feels good. You can be truthful with me, Jane."
"...Yes."
"All right... it's time for me to take a little peek down there. Just a bit more and you'll be all done."
Undies are slid down and legs spread. I make a point of inspecting the gusset. "Don't be embarrassed, Jane. I just want to make sure there aren't any stains. Those could be a sign of infection... or you not wiping properly. We always wipe away from our privates, Jane, remember that!"
She shaves, but of course: "Hmm, not much hair yet. We'll have you back in for a quarterly so I can check on your pubic hair growth. It's nothing to be concerned about, but I want to keep a record of it."
Her labia are spread, clit hood pulled back, gloves are put on, a finger slowly pushed inside. She whimpers. "It's okay, Jane, I'm going to be extra careful. Have you ever put anything inside before?"
"No...." she says. I rub her clit a bit.
"Okay, Jane. I want you on hands and knees, head down, behind up. I just need to check your bottom now - I know you won't like it, but it has to be done to make sure your plumbing's in order." I spread her cheeks and make a big show of looking at her anus, lots of hmmming to make it extra blushy. Lubrication, and a finger inside. Her: "Doctor, it hurts." (That at least is full character; she herself has no problem with it, and will wear a buttplug as part of her jewelry.)
I feel around, then pull out. "One more thing, Jane... I want you to show me how you touch yourself. I need to make sure how you do it isn't hurting anything or getting parts of you dirty that shouldn't be dirty. Just think of one of your cute girlfriends you wish you could date."
As it happens, both her character and the real Jane like to hump their hands while lying prone, so I get a demonstration of it - but have Jane stop just before she crosses the line. At that point, as Mizz Lenka said, it moved past med fet territory 😉
I don't really have any accessories like a speculum, or even rectal thermometer, and I'd like to get them someday, keep meaning to, but at least for the back to school scenario, it doesn't matter as much.