When the male sexual partner pulls out just before ejaculation,in the old english school boy style, and proceeds to release his ejaculate wildly onto his female partners facial region. A sample of his load then seeps into her auditory member,left or right, and causing symptoms that would be diagnosed as swimmers ear.
Male: "hey babe is that hair gel in your ear?"
Female: "No, but I think i showered to long because my ear is killing me! I think I may have gotten Swimmers ear."