My most unexpected one was at work. It was an old line financial company. When I got the job straight out of school, they told me that I'd have to pass a physical first. I showed up on the appointed day, but was just seen by a nurse, who asked me a bunch of questions, weighed me and took my blood pressure, then let me go.
A year later, I got a call from medical. They wanted me to go in for another "well employee check." So it started the same--a nurse, some questions, blood pressure. She didn't even weigh me, and just asked if I'd gained or lost weight. But when she did the blood pressure thing she frowned, said my pulse was irregular. I knew that--I had a slight harmless murmur since I was a kid. She wanted it checked. So I had an EKG with a tech--shirt off, etc.
I thought I was free--but no. I had to see a doctor, who'd read the EKG and check out my heart. Off I went down the hall. An old guy, seemed thrilled to have something to do. He had an office with a connected exam room. Told me to take off my shirt and sit on the table. I went inside, did what I was told. He watched me the whole time and came in the room. Said I didn't get a physical from them yet, and he'd do one now. I begged off, he wouldn't hear of it. He called the nurse, told her to tell my boss that I'd be awhile.
Turning to me, he told me to finish getting undressed. I really was not into it, said "undressed?" "We do a complete job here, young man, so remove all your clothes, down to your birthday suit." I again said this was not necessary, he insisted. "You have an irregular pulse, and we want to make sure you're okay. It's for your own good. Now please strip down." I shrugged and took everything off. I never had to do that. It was the usual exam otherwise, until the end. He skinned my foreskin back (my doc had me do it, and I just had to drop my jeans). Took a long time squeezing my balls. And then...."Now, son, turn around and climb onto the table. We'll check out your prostate." Again, I begged off, again he insisted. Sheesh, I was just 22. So I did. He put one hand on my butt, and shoved his finger quickly deep inside. I gasped, tried to move away. He felt around for awhile, and I dripped. I was mortified.
Pretty traumatic, and totally unexpected. When he was done, he wiped the goop off, and told me to get dressed, said the murmur was a common one.