The Optima LTA program is a digital, simple and paperless solution that lets you easily and quickly process your LTA claims. The interface delivers a great deal of flexibility in overall claim process that adapts to your organization policy. The program automates the time-consuming and manual LTA process - no manual bill entry, submission and verification to initiate the claims since Zeta handles this for you. The Optima LTA program allows employees to pay, upload, manage and review the medical bills using the Zeta App interface.
Install the Zeta app on your smartphone from app store. To download and configure Zeta app, see Setting up an Employee Account.
Useful Facts
Employees receive LTA claims from employers when they submit LTA bills towards domestic travel of self and dependents.
Per IT rule, 2 LTA claims in a block of 4 years are not treated as a taxable income. In other words, you can avail income tax benefit up to 2 LTA claims in a 4 block year provided you furnish medical bills to your employer.
Any LTA amount in excess of restricted numbers in a fiscal year would be treated as a taxable income.
If you don't claim one of your LTA claims this year, you are eligible for 3 LTA claims in the next year.
You can initiate LTA bill payments to both Zeta-affiliated (online and offline mode) and non-affiliated medical merchants.
You must upload LTA bills against each transaction (using Zeta or non-Zeta interface) in the Zeta App interface to avail tax benefits as per Govt. standards.
Before You Begin
Ensure the following:
You’ve received a Optima LTA card from your HR. Note that your email ID must be verified to receive the medical credits if vouchers are issued on your email ID.
You’ve appropriate balance in your LTA card or cash card to initiate payment through Zeta platform and to avoid transaction declined error.
How LTA Card Flow Works?
The Zeta LTA program provides a simple workflow to process your LTA expenses. All you need to do is:
Receive a Zeta LTA card from your HR.
Pay your medical bills to merchants using the Zeta app or Zeta Super Card
Using the Zeta app, upload the valid and legible bill for approval.
That’s all. Your claim would be processed in one business day post successful verification.
For a quick walkthrough, navigate to Cards > LTA Card, tap the Medical Card and then click User Guide. This opens up a tutorial as explained above.
Using the Zeta LTA Interface
The Optima digital LTA card provides an intuitive interface that allows you to perform ranges of LTA-related tasks electronically, for example, uploading the LTA bill for approval, analyzing the approved, declined or in review bill and so on. The important thing to remember is you (as a user or an employee) only upload the LTA bills using the Zeta app, thus eliminate the need of manually itemize the bill for future upload in the HR portal.
Do safeguard the medical bills for future auditing needs.
Under the Cards tab, your active medical card would appear as shown below:
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Using the Zeta Medical interface, you can perform the following tasks.