Exceptions, exclusions, and reductions must be clearly expressed as a part of the benefit provision to which such applies, or if applicable to more than one benefit provision, shall be set forth as a separate provision and appropriately captioned. The use of general policy exclusions and the scope thereof will, of necessity, vary with the type of benefits afforded in a given policy, subject to the requirement that said exclusions are reasonable in light of the nature of benefits afforded.
31 Pa. Code § 88.83