We find that in a suitably designed photonic crystal (PC) certain high-order photonic bands are less affected by the refractive-index ratio (RIR) than low-order bands, enabling the realization of a robust and complete two-dimensional (2D) photonic bandgap in a moderate refractive-index-ratio PC. A detailed theoretical investigation of low- and high-order bandgaps in a series of PCs with different configurations is performed that shows that high-order bands may favor substantial complete photonic bandgaps (CPBGs) for systems with a moderate RIR. Furthermore, the importance of the geometry and structural parameters on achieving a high-order CPBG is found. Specifically, a hexagonal lattice PC of annular-hole-peripheral connecting rods is proposed, which can support a CPBG with a refractive-index ratio (RIR) as low as nhigh:nlow=2.1; to the best of our knowledge, this is the lowest RIR used to obtain a 2D CPBG in a PC.