I'm a doctor, and I used to work part-time at a MEPS (Military Entrance Processing Station.)
Before the doctor, there is a hearing test. Then a welcome briefing and a recorded description of what the exam will involve.
Then there is breath alcohol screening, vital signs, blood draw, vision testing, and a semi-observed urine collection for drug screening.
Then the girls go into the girl's area and get undressed for a height and weight.
When I worked over there, I did things pretty much the same way as the male side, which was that I would bring the female applicants in one at a time to review their medical history (could be five minutes to thirty minutes depending on the complexity.) I would also do a physical from the shoulders up, with the applicant fully dressed.
Then the applicant would go out and get undressed down to bra and panties and put a gown over that. They would then come back to see me with a female chaperone. I'd have the applicant take the gown off and we would do the neuro-muscular exam in bra and panties. Then the applicant sits on the exam table and gets a heart and lung exam. They lie back on their back and get an abdominal exam and I check the pulses in all extremities. I note all changes with the skin, including scars and tattoos.
The applicant then goes behind a screen in my exam room, and takes off their bra and panties and puts their gown back on. Then they come and sit on the table and drop the top of their gown. I do about a 5 second visual exam of the breasts, but do not touch them.
Then the applicant pulls the top of the gown back on and lies back and goes into the lithotomy position. I take about 5 seconds to visually examine her external genitalia, including spreading her labia major open, but I do not touch anything inside her labia.
We are required to check the anus and gluteal cleft. Some examiners do that while the applicant is lying down, but I didn't feel like I could be thorough enough, so I had the applicant stand and had her spread her buttocks so I could see her anus. That takes about 3 seconds and I'm done.
I know this sounds exciting, but it really isn't. All of the exposures are very quick and almost non-events.
The difference if the examiner was female was that there was no chaperone (technically chaperones are always offered, but applicants always decline). Also, the female examiners tended to combine the history and physical exam into one visit into their exam room, and they would have them take their clothes off behind the screen in their room. I didn't do that because I didn't want to tie up the chaperone while I was going over the history. MEPS rules were that if an applicant was undressed there must be a chaperone in the room if the examiner is of the opposite sex.
When the applicant was done in medical, they returned to their service liaison for further processing.