I'm not really that great at explaining stuff (and I've never even had a real exam due to fear, anxiety, and embarrassment, or a play exam, just trying out online ones for now. But I'm curious about trying out some play exams eventually), but in my fantasy, I'm a student majoring in the Visual Arts, like drawing and painting, at a local college and I'm required to have a full exam, including a gynecological exam at least twice each year, which I've been putting off as long as possible and the school officials are on me about it so I made an appointment with a doctor who offers free medical care for students. Maybe the exam could even be part of a research study/experiment.
I'd be taken to an exam room and told to undress completely, except for my socks and either put on a flimsy looking gown or be naked (whatever I'm told to do). A male doctor would come in and I'd start to panic inside. I've always preferred female doctors and the idea of having my intimate areas exposed and touched by anyone, especially a male, makes me feel even more embarrassed and scared. The doctor would be firm with me through the exam and won't let me leave until it's completed, which would take a few hours.
He'd take my medical history, ask about my sexual experiences (I've had none. I'm Asexual), my menstrual cycle, and other personal questions, listen to my heart and lungs and do all the basics of a routine physical, and he'd have me lie on my side as he takes my temperature rectally.
Then he'd have me lie back on the table and have me put my legs in leg rests and he'd restrain them, telling me that it's to "protect" me from accidental injury, and spread them apart very widely to give him full access to my vaginal and anal areas, and he'd restrain my arms above my head.
He'd do the breast exam and take a good amount of time with it, which includes the use of clamps and other tools too, not just hands. When the breast exam is done, he'd tell me it's time for the internal exams, but first I'd have to be cleaned out so he can see inside me. He'd give me an enema using a huge bag of hot, soapy water and a nozzle, then have me hold the water in for a while, then release it in front of him.
He'd do the pelvic and anal/rectal exams and take a long time with them. This would be the most extensive part of the exam and involve his fingers/hands, various size speculums in both openings (he'd start with the smaller ones, then gradually move up to the largest ones), and lots of tools, and he'd use e-stim. He might do a vaginal ultrasound and other procedures too, maybe even use a clitoral pump and do whatever else he "needs" to do as long as it isn't extreme or overly painful.
After removing the speculums, he'd use his fingers/hands to examine my vagina, anus, and rectum again and do things to help relieve any discomfort and pain I may still have from the exams and help me relax, then he'd release me from the restraints, allow me to get dressed, and schedule my next appointment.
This would all be clinical, nothing sexual.