diff --git a/src/commands/doctor/shared/preview-warnings.test.ts b/src/commands/doctor/shared/preview-warnings.test.ts
index e3186b6e1f5..1f5c40fcba5 100644
--- a/src/commands/doctor/shared/preview-warnings.test.ts
+++ b/src/commands/doctor/shared/preview-warnings.test.ts
@@ -613,4 +613,43 @@ describe("doctor preview warnings", () => {
     expect(warnings.join("\n")).not.toContain("commander");
     expect(warnings.join("\n")).not.toContain("discord");
   });
+
+  it("warns for default-routed traffic when a channel only has scoped routes", () => {
+    const warnings = collectChannelBoundMessageToolPolicyWarnings({
+      channels: {
+        discord: {},
+      },
+      agents: {
+        list: [
+          {
+            id: "main",
+            default: true,
+            tools: {
+              allow: ["read"],
+            },
+          },
+          {
+            id: "commander",
+            tools: {
+              profile: "messaging",
+            },
+          },
+        ],
+      },
+      bindings: [
+        {
+          agentId: "commander",
+          match: {
+            channel: "discord",
+            accountId: "workspace-1",
+          },
+        },
+      ],
+    });
+
+    expect(warnings).toEqual([
+      expect.stringContaining('Agent "main" is routed from channel "discord"'),
+    ]);
+    expect(warnings.join("\n")).not.toContain("commander");
+  });
 });
diff --git a/src/commands/doctor/shared/preview-warnings.ts b/src/commands/doctor/shared/preview-warnings.ts
index 68b2dc23836..9e65404948a 100644
--- a/src/commands/doctor/shared/preview-warnings.ts
+++ b/src/commands/doctor/shared/preview-warnings.ts
@@ -222,6 +222,14 @@ function formatChannelList(channels: string[]): string {
     .join(", ")}, and ${channels.length - 2} more`;
 }
 
+function isUnscopedChannelRouteBinding(binding: AgentRouteBinding): boolean {
+  const match = binding.match;
+  const accountId = match.accountId?.trim();
+  const hasScopedAccount = Boolean(accountId && accountId !== "*");
+  const hasRoles = Array.isArray(match.roles) && match.roles.length > 0;
+  return !hasScopedAccount && !match.peer && !match.guildId && !match.teamId && !hasRoles;
+}
+
 function collectBoundChannelTargets(cfg: OpenClawConfig): Array<{
   agentId: string;
   channels: string[];
@@ -242,18 +250,18 @@ function collectBoundChannelTargets(cfg: OpenClawConfig): Array<{
   };
 
   const routeBindings: AgentRouteBinding[] = listRouteBindings(cfg);
-  const explicitlyBoundChannels = new Set<string>();
+  const fullyCoveredChannels = new Set<string>();
   for (const binding of routeBindings) {
     const channel = binding.match.channel.trim();
     add(binding.agentId, channel);
-    if (channel) {
-      explicitlyBoundChannels.add(channel);
+    if (channel && isUnscopedChannelRouteBinding(binding)) {
+      fullyCoveredChannels.add(channel);
     }
   }
 
   const defaultAgentId = resolveDefaultAgentId(cfg);
   for (const channel of listConfiguredChannelIds(cfg)) {
-    if (!explicitlyBoundChannels.has(channel)) {
+    if (!fullyCoveredChannels.has(channel)) {
       add(defaultAgentId, channel);
     }
   }