public class Character
{
    [Key]
    public Guid Id { get; set; }
    public Realm Realm { get; set; }
    public Guid RealmId { get; set; }
    public string Name { get; set; }
}

public class PlayerCharacter : Character
{
    public User User { get; set; }
    public Guid UserId { get; set; }
}

public class Npc : Character { }

public DbSet<PlayerCharacter> Characters { get; set; }
public DbSet<Npc> Npcs { get; set; }

protected override void OnModelCreating(ModelBuilder modelBuilder)
{
    base.OnModelCreating(modelBuilder);

    modelBuilder.Entity<PlayerCharacter>()
        .HasAlternateKey("Name", "RealmId");
}

$ dotnet ef migrations add 5
System.InvalidOperationException: A key cannot be configured on
'PlayerCharacter' because it is a derived type. The key must be
configured on the root type 'Character'.

modelBuilder.Entity<PlayerCharacter>()
    .HasIndex("Name", "RealmId")
    .IsUnique();

$ dotnet ef migrations add 5
Done. To undo this action, use 'ef migrations remove'

migrationBuilder.CreateTable(
    name: "Character",
    columns: table => new
    {
        Id = table.Column<Guid>(nullable: false),
        Discriminator = table.Column<string>(nullable: false),
        Name = table.Column<string>(nullable: true),
        RealmId = table.Column<Guid>(nullable: false),
        // other props...
    },
    constraints: table =>
    {
        table.PrimaryKey("PK_Character", x => x.Id);
        // foreign keys...
    });

migrationBuilder.CreateIndex(
    name: "IX_Character_Name_RealmId",
    table: "Character",
    columns: new[] { "Name", "RealmId" },
    unique: true);