The heat transfer in living tissues is an evergreen problem in mathematical modeling with great practical importance starting from the Pennes equation postulation. This study focuses on concept in model building, the correct scaling of the bio-heat equation (one-dimensional) by appropriate choice of time and length scales, and consequently order of magnitude analysis of effects, as well as fractionalization approaches. Fractionalization by different constitutive approaches, leading to application of different fractional differential operators, modeling the finite speed of the heat wave, is one of the principle problems discussed in the study. The correct choice of the damping (relaxation) function of the heat flux is of primarily importance in the formulation of the bio-heat equation with memory. Moreover, this affects the consequent scaling, order of magnitude analysis and solutions.