I don't understand why a full body exam is necessary at all. Chromosomal intersex conditions are diagnosed by karotype and by taking a small sample of blood. Also, I was under the impression that symptoms are so mild that often one finds out during an infertility test. The main characteristic is some form of gynecomastia. Generally, I thought people dismissed this. In any event, if you're this freaked out about the exam, take control over your medical care and demand a karotype test. Insurance may not, a probably will not pay for it, unless you have some really bad thing going on, like Cancer.