During my childhood in the Netherlands there were regular (school) physicals up to the age of 16/17. These were all run by the public health services to monitor health and development of minors.
Until I was aged 11/12, the exams took place in a small local public health service centre in my hometown. I can still remember that there was always some level of ‘awkwardness’ among the children that where waiting there with a parent for their exam. Once it was my turn, the doctor would call my family name, and me and my mom would enter the exam room. The doctor then chatted a little with my mom over my file, while I had to undress immediately down to my underwear. My socks could stay on, at least during the first part of the exam, yet they had to come off a bit later anyway. It was a lasting impression for me, to be paraded around by the doctor in his office with only my undies on and the cold vinyl floor below my bare feet 😃
My last physical in the social services building was at the age of 11/12. This was also the last time that my mom was present, and the first time I remember that the doctor removed my undies. I was taken by surprise back then, when he suddenly lowered my undies down to my knees while I was standing in front of him. Although I still had little awareness of my own body, I did feel embarrassed of my mom now seeing my naked bum from the back of the room. Next, while standing like this, the doctor instructed me to 'blow hard on the back of my hand', and to my own wonder I saw that I quickly got a stiffy while he was watching up close. As a result I thought during my early teens that 'blowing on the back of your hand' was intended to summon the natural response of an erection in all healthy boys. Only a few years later when starting to masturbate, I became aware of the embarrassment of having an erection in public.
After elementary school, the school physicals where still performed by the public health services up to the age of 16/17. However, now a doctor would visit each school and the physicals took place in an temporary exam room inside the school building. Most students would not participate since it was no longer mandatory, yet I still did go every time. The exams where similar as before: undressing to only underwear right from the start, but this time socks had to come off immediately as well. And then at some point the familiar scene where you had to stand before the doctor and blow on the back of your hand' followed by the removal of underwear. In some cases my underwear had to stay off after this, while in other cases the doctor would pull them up again, but would still remove them completely during the later part when lying supine on the exam table. In all cases it ended completely naked. I have never seen or used a gown for any physical here.