Panties

Only once my sister was examined like this ,when she was having some skin problem.she had some rashes on her arms.but the doctor removed her clothes and he examined her in her bra and underware.she had to unclasp her bra on the backside as the doctor checked that area with a torch.she had to lower her underware to her knees as the doctor checked for rashes there.

As far as I know my wife has always had a gown on during any exam. As others said panties come off for a gyn or yearly exam but are left on otherwise.

I wish but no never that would be nice though

The only times I was examined in just my panties was when I was little -- like from age 9 to 11. I should have been wearing a bra when I went to the doctor when I was 11. If I had a bra on that day, they probably would have let me keep it on, but back then I didn't like wearing bras. I think I didn't want to admit that I was starting to grow up.

Just when younger for me. Usually the gp will have you remove what he/she needs and gynaecologist will require named from waist down with a drape.

This was very common as a child and into my teen years but less often these days.

It happened once to my wife. She came in to see her primary care physician for an upper respiratory infection. It was summer and in the hot months, she usually wore a light dress without pantyhose. So, she had only her bra and panties on underneath. When the doctor came in, he asked her if he wanted a gown, but she declined. It was a short exam; maybe three minutes.

I wish that would be a great exam I must say one of the best

Not sure how common that is in the US but it is really hot to think about.